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: Heather

I love the peace of mind and their coverage!

I've had ASPCA insurance for my sweet pup since day 1 of bringing him home (of course with the 2 week waiting period). I recommend this insurance to all the pet parents I know! I've never had any issues and anytime I've called customer service with questions or for anything, they've been incredibly helpful. I love the peace of mind that comes with having him insured since he was a puppy, but it's never too late! You want to have this before you need it, just like with any insurance! There are many tiers and options for premiums and deductibles and they are very clear what is and isn't covered. You don't have a network to stick with, and can take your pet anywhere you choose (I believe even in Canada and Mexico). I highly recommend and trust ASPCA to choose the best underwriter to put their trusted brand and name to their insurance.
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5

out of 5

POSTED: | BY: Arienn

Easy process

It was easy to submit and track my claim and payout followed shortly there after.
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5

out of 5

POSTED: | BY: Sevasti Verdhi

I had another insurance with ASPCA

I had another insurance with ASPCA For my baby Lucy, Lucy died from brain cancer. The Hospital bill was unbelievable ,but you guys were amazing and so supportive , I received 70 percent back via check as my insurance was .thank you for all that you do
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5

out of 5

POSTED: | BY: Patty Martin

The Rep was very kind

The Rep was very kind, helpful and knowledgeable.
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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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