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: Julia

Pet Insurance is a Life Saver

I enrolled my cat in ASPCA pet insurance when she was about 1.5 years old. Besides a little bout with vomiting, I didn’t have to use the insurance much. She was pretty healthy. But a few months later, she started to develop some dermatitis around her nose and mouth. Her symptoms became worse, runny eyes and nose, too. Her doctor suspected either a chronic URI or allergies. Her URI panel came back negative. So we began the frustrating journey of trying to get her allergies under control. She was started on a food trial with a novel protein and immunotherapy after her allergy panel came back. She is doing so much better and her allergies are being controlled well. If it wasn’t for ASPCA covering 90% of her vet bills, I’m not sure I would have been able to get to the bottom of her health issues and she would still be struggling. Thank you, ASPCA! You’ve been very helpful!
5

out of 5

POSTED: | BY: Marisol

Exelent

Exelent
5

out of 5

POSTED: | BY: Susana

Thank goodness

Haven't got the price OF the insurance
5

out of 5

POSTED: | BY: Joann

The young lady who helped me went out of her way very nice very proficient

the young lady needed more records and she personally called the vet and cut through red tape. I appreciate it
5

out of 5

POSTED: | BY: Kiko

Best

Reasonable rate and easy process to file claims and to reach for a help when needed. Most reliable insurance company to deal with - for these reasons, I thank you very much.

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 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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