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: Randi

First Pet Insurance Claim

I typically don’t do these because they are time consuming, however, I think it’s important that people know about a product or service before they purchase it. I had never had pet insurance before. When I got my dog Angel, a little over a year ago, her vet suggested it after her first visit. He is also a good friend, so I trusted him. He sent me home with a few pamphlets and I ultimately chose ASPCA. I knew the name and trusted that if I ever needed it, they’d pay. About 3 weeks ago I had to take my sweet girl to the ER, then to a specialist for surgery. Between the ER, her surgery and 4 nights in the hospital, I was out over $10k. Once I had received the invoices, I went on the ASPCA website and put in my claims. The process was SUPER easy. It said it would take 2-4 weeks to process. It took less than 2 weeks AND I got the checks shortly thereafter. I could not be more of an advocate for pet insurance now and especially ASPCA. P.S. Angel is doing great!
5

out of 5

POSTED: | BY: Bubba

I like starting out on a positive note

I like starting out on a positive note, all Ive done so far is fill out the forms to get my insurance started.
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5

out of 5

POSTED: | BY: Rita Eastman

Easy to submit claims

Easy to submit claims. Timely in their processed nag of claims.
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4

out of 5

POSTED: | BY: KS

Great service

I have been a customer for a short time. And things have been going great !
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5

out of 5

POSTED: | BY: Man

Mr.

Great service. Clearly explained. Fast responding. Reasonable cost.
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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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