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: Troy

Claims handled with complete professionalism

We have paid for pet insurance for both of our dogs for a few years. We recently actually had to use it on one of our pets a couple of times in a matter of a week and was not looking forward to submitting the claims to ASPCA for a refund as there are stories of other companies denying claims and not paying. This couldn't be more inaccurate for ASPCA, I submitted the claims and within 2 days had the refunds deposited into my checking account. I can only say I have been more than pleased with the service I received.
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5

out of 5

POSTED: | BY: David Jeon

ASPCA delivered efficiently the…

ASPCA delivered efficiently the insurance money I was intended to receive in a timely manner of just a few days from when I put in a claim. The process was quick and simple as I’m a first time pet insurance owner and every pet owner should have coverage!
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5

out of 5

POSTED: | BY: Emily Hines

Pet Insurance in 5 minutes

Easy to browse coverage and find a price point that works for me. I enjoyed the personal phone call welcoming me.
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3

out of 5

POSTED: | BY: Beansmom

Overall coverage for things like shots…

Overall coverage for things like shots and wellness checks are extremely low. Doesn’t seem like it will put much of a dent in our vet bill.
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4

out of 5

POSTED: | BY: Ranard Chan

I have nt yet the need to use any of…

I have nt yet the need to use any of the policy coverage..Hopefully when i do submit my wellness claim s they ll be expedited quickly for reimbursement..as for the full coverage for medical care..i hope i never have to use it..but, it peace of mind considering the high cost of pet medical bills..
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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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