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: Steve

100% Worth it - Highly Recommend

We adopted a French Bulldog Puppy in Feb. 2018 and signed up for this policy on day 1 of our adoption. Owning a French Bulldog comes with it's challenges from a health perspective and we knew we wanted the security of knowing that we were engaged with an insurance provider willing to do what is right to support the health and well-being of our furry child. This policy and ease of use has been exceptional. We have had multiple matters arise with our Frenchie from dietary matters, GI issues, eye problems and the like that arose - candidly say that this insurance program supported us each step of the way and we had the security of them backing us up. Would highly recommend this policy to other pet owners as it helps us sleep at night knowing if anything does happen, our little guy will be well cared for.
5

out of 5

POSTED: | BY: Kaylee

Easy to understand, relatively quick claim processing

ASPCA pet insurance is easy to understand, quick to process, and the direct deposit makes it a breeze.
5

out of 5

POSTED: | BY: Krystal

Thoughtful of your pets

My dog, Kiko, is very prone to infections. ASPCA has always worked with me on each claim to make sure she is covered each time. After times where she has gone to the ER, they will even call to ask how she is doing. That little check in means a lot to a pet parent!
5

out of 5

POSTED: | BY: Dani

ASPCA is an awesome pet insurance and one of the few that has a behavior component.

ASPCA has been a lifesaver for our family because of their behavior component of their insurance. Being able to work with a behavior vet has allowed us to better understand our pets needs so he can stay in our home safely. Making a claim is fairly simple especially when using their app. We have had very little issues in reaching someone in customer service to discuss claims or benefits. I would recommend this to any new pet owner!
5

out of 5

POSTED: | BY: Cristina

Very easy to submit and track claims. Associates have always been very thorough, friendly, and helpful. I definitely recommend!

Very easy to submit and track claims. Associates have always been very thorough, friendly, and helpful. I definitely recommend!
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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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