ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,250

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: Debra Conover

Great customer service

This is my first pet and had no idea about pet insurance. I foster parent recommended pet insurance as well as ASPCA. I took my Mac to the vet for a potty issue. The vet was great as well as ASPCA insurance. I filed my claim and was a little bumpy as I needed to send them Mac's medical records. I did but I item just would not send. The girls were great. First Bonnie stayed on the phone while I sent everything as some items didn't go through. She walked me through but still one page just wouldn't go. Another day a girl (sorry forgot her name) said the page still didn't go through. It finally went through and the claim finally filed. Customer service was top notch. Compassionate, Helpful, Friendly and great trouble shooters.
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5

out of 5

POSTED: | BY: Caren Armstrong

Outstanding

It fast and easy, and I received my 90% as promised with my plan
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5

out of 5

POSTED: | BY: Bailey

Top Notch Insurer

Highly recommend insurance for a pet, especially ASPCA! We started right when he was little. The process for customizing your plan was great, with estimated prices and all. Submitting claims is a breeze through the app, and response time of less than two weeks is stellar! I have not had any issues working with this provider. Some days I wish they cover humans too for how wonderful it has worked out for us. My only complaint would be the app itself. With the background white it’s difficult to see what all is said or if there is a push button or not.
2

out of 5

POSTED: | BY: Theresa Struniak

Claim not honored

Not happy that I bought insurance that should have started on the 8th of September the day I purchased it. Same day the dog has his well visit with the vet.
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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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