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.
4

out of 5

POSTED: | BY: Vantastic

Love the plan…app fail in comparison to HealthyPaw

Not feeling the app available and turn around for getting account number not as fast as some other pet insurance company like Healthpaw, but better plan and peace of mind your pet will have good care of illness and an accident were to happen. Pretty competitive price when compared to many other companies and what I like was option of preventative care plan. I am happy with my pet policy (I also opted for preventative care package) I got, but app and initial customer welcome and account set up could be better.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Steven McCain

Great and fast service.

Great and fast service.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Billy D. McLain

Not happy with ASPCA insurance at all!

They do a good job honoring claims until you meet the deductible. Then they require "additional information" on the claims. They have asked for information that isn't even available and that was explained. After that, they increased the rate by about 25%. It is better to open a savings account instead of paying for insurance that doesn't want to honor their commitment.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Kelsey

Acceptable pet insurance

So far none of my claims have been denied and when I do call, I receive a helpful agent. However, I wish there was an unlimited coverage option when I signed up. Everything is getting more expensive and a $5k max limit seems low in this day and age.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kelly Perritt

Their app is awesome and they are…

Their app is awesome and they are responsive 😊
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review