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: Susan

The Best No Hassle Pet Insurance

I’ve had another brand of pet insurance in the past & it was a headache to deal with. My experience with ASPCA Pet Insurance over the last 11 months has been absolutely great. They actually do what they advertise & pay your claims. Using their app is quick & easy to submit a claim. Most claims are paid within 2 weeks. Our one large claim for close to $4,000. took a month, that is because it was a large amount and needed more review. I’m extremely pleased with this plan & would recommend it to everyone. Customer service reps are always polite and friendly when calling in with questions.
5

out of 5

POSTED: | BY: Kenneth

great job

great insurance
5

out of 5

POSTED: | BY: Gale

I'm very happy with this insurance policy

I'm very happy to have this insurance for my puppy.
5

out of 5

POSTED: | BY: Aviva

Excellent service

Honestly, filing thos claim went so much better than I expected. Filing was easy, with the app. But with all the madness going on right now, I expected it to take forever to process. But it was actually faster than usual. Shelley, who called to follow up was also delightful.
5

out of 5

POSTED: | BY: Saswati

Reliable, strongly recommended

I have a 3 year old Miniature Poodle and a middle-aged (exact age unknown) Lhasa Apso mixed breed. The first had developed several medical complications in his first year, which incurred substantial expense in state of the Art veterinary care and diagnostic expenses. All were covered by ASPCA pet insurance, and they did not increase the premium or terminate the plan in the subsequent years. My dogs are both in good health now, sans some minor illnesses like allergy, ear infections etc. I feel confident that if they fall sick, Heaven forbid, ASPCA Pet Insurance will be there to support. I recommend this company to every pet parent for peace of mind,
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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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