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: Denise Straulea

Peace of mind now

thoroughly researched many pet insurances and decided this was best for what I was looking for. The website was very easy to navigate and easy to apply for. Speaking with customer service rep was very helpful and informative. She patiently answered all my questions and concerns. Thankfully have not used it yet to comment on that aspect! I insured all 3 of my dogs and feel a big weight of worry off my shoulders. Can't comment on the claims and reimbursement process at this time but hope it goes as smooth and stressfree as joining was!
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5

out of 5

POSTED: | BY: P. Miller

Supplied tons of information which…

Supplied tons of information which helped me decide this is the best pet insurance!! Highly recommend!!
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5

out of 5

POSTED: | BY: Michalle

Footnotes made it helpful to chose…

Footnotes made it helpful to chose insurance that suits ones needs. Brought comfort in knowing expenses incurred will be partially paid for
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3

out of 5

POSTED: | BY: Margie Dimond

So far so good hasn’t activated yet

So far so good hasn’t activated yet, so I’ll know more later
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5

out of 5

POSTED: | BY: Jeff Wall

Great company very helpful

Great company very helpful
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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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