ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Mary Sue Livingston

GREAT PET INSURANCE…

Submitting invoices is a simple matter along with the cover sheet describing the reason. I have a 5 year old Russian Blue Cat that has diabetes, sorry to say. I love the fact that 90% of his bills are covered, otherwise I would be broke. He's on insulin, which I have to by syringes for, special diet food, and right now he's going for glucose testing monthly to try to stabilize his glucose. his yearly shots are covered, too. I did have our little rescue covered, but took her off due to the fact that even though she loves attention she will not let us pick her up. When I called to cancel her coverage they asked why, but did not push to keep her on the policy. I appreciate that.
5

out of 5

POSTED: | BY: Jenny Taylor

Very happy with our coverage!

We are very happy with the coverage we have for our 5 year old Cattle dog and 1 year old hound mix. For a reasonable monthly fee we have the comfort in knowing that we are covered for any accidents or injuries. We recently had a poisoning scare with our cattle dog and our coverage saved us thousands of dollars in vet bills. The extra comfort in knowing we won't have to make a decision between debt and helping our beloved girls is worth every penny!
5

out of 5

POSTED: | BY: ed

ASPCA has been very good with both cats to this point.

ASPCA have been very good to this point.
5

out of 5

POSTED: | BY: Sherry

Good insurance. Very easy to claim service.

Excellent service!
5

out of 5

POSTED: | BY: TONY

An reliable and friendly pet insurance company.

I have been a customer of ASPCA pet insurance company for more than 2 years now, and I can say they are friendly when you need help or call for information. They care about your pet so they regularly call you to keep up with your pet's health. When you need to file a claim, no problem, no red tape. I filled out the claim form via the internet explaining the emergency dental problem, attached the vet's explanation of the medical procedure, and finally a copy of my payment. Within less than two weeks my reimbursed percentage of claim was direct deposited into my bank account and it was close to 85% of the bill. They are the real deal. T. Jamieson

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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