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: Edward

Peace of mind with easy claims process

My wife and I were on the fence about pet insurance when we got our first puppy, Penelope. Without doubt, the decision to get ASPCA was the right one. Not only does the insurance provide us with the peace of mind to not hesitate to seek a veterinarian’s help during time of sickness or normal wellness visits due to financial constraints, but the claims process is exceedingly easy. The payments are prompt and accurate. Our pup has been relatively healthy but things do come up and having the insurance has absolutely been worth it. We are hoping the new member of our family remains as healthy as possible for many years to come!
5

out of 5

POSTED: | BY: Suzanne

Great service, prompt payment

They were very attentive, called to see how my cat was doing, and the online claim form was easy to submit
5

out of 5

POSTED: | BY: Pat

A lifesaver for me and my multiple pets

Pets are a joy but taking care of them can get costly. One of my cats has cancer and the ASPCA insurance has been a lifesaver given the costs. The hospital treating my cat submits the claim for me and I get a good chunk of the money I've laid out back. I have five cats and one dog. (I know crazy, but I'm a sucker) Initially, I only insured my oldest cats but then one of my young ones ate something he shouldn't have. It cost me several thousand dollars. If I had had my ASPCA insurance, I would have gotten a lot of that back. I learned my lesson and now all my pets are covered. If you love them, it's a relief to know you don't have to make hard decisions based on money. I'd highly recommend the ASPCA insurance.
5

out of 5

POSTED: | BY: Pamela

ASPCA is a phenomenal provider of pet insurance with exceptional customer service!

Our wonderful 8 year old Shi Tzu Chloe became unexpectedly ill with an eye issue and then had a terrible reaction to the medication. These were hard to deal with and you hate to see your pet so sick. One condition ended up putting her into intensive care in an animal hospital for two days which was very scary. The fact that the ASPCA insurance gave us piece of mind we were covered, we could focus on her care with less anxiety during this trying time. In addition, it is so simple to file claims via online or mobile to recoup some of the care costs back. It was amazing!
5

out of 5

POSTED: | BY: Anthony

Amazing

Great insurance coverage
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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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