ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Edward A.

Outstanding coverage for a not so healthy puppy. our dog…

Over the past 3 plus years our dog Murph has not been a very healthy puppy! Fortunately, we had enrolled him with ASPCA Pet Health Insurance, and it was a Godsend. They have been outstanding in their coverage and have handled every claim perfectly! Murph has several allergies and is on prescription dog food, along with immunotherapy treatments that is very expensive, and with our 90% reimbursement (after deductible) makes it affordable. We don't know what we would have done without such an outstanding pet insurance company. Thank You so much ASPCA Pet Health Insurance!
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5

out of 5

POSTED: | BY: MONYA EMBRY

My Experience at ASPCA Bartlesville

The attendants were knowledgeable about the cats and were available for questions. They were very helpful in selecting the right cat for me!
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1

out of 5

POSTED: | BY: Louie

Registering sucks

Simply trying to register online was impossible. My email and zip were not accepted even with numerous tries. I had paid for basic and enhanced coverage now I don't know if it's worth the hassle.
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5

out of 5

POSTED: | BY: CustomerDonald

Took my dog to be spayed.she recovered.

Took my dog to be spayed.
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2

out of 5

POSTED: | BY: Jen

Months of delays

Months and months for a wellness claim (just shots and a checkup) and still haven’t processed my claim. Then they request his entire medical history (which they already have since they request it every year) and draw out the process longer. All you get is an apology email every month or so saying “this is taking longer than normal”. No it’s really not. This is their normal.
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Insurance detail
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.
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