ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,059

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: Bart Richards

My own insurance company has never called me to see how I am doing...

The other day my phone rang and it was the ASPCA Insurance team checking in to see if Baloo was OK after his last doctors visit. In all of the years that I have health insurance, they have NEVER called me to see how I was doing. The app is simple to use, the approvals are fast and consistent, as the owner of a "big" dog, this has been one of the best investments I've made. Thank you.
5

out of 5

POSTED: | BY: Glenn Schraeder

always easy to use

Easy to use, easy to file claim, always have reimbursements to our bank account on a timely basis.Customer service always helpful if any questions arise.We have recommended this company to many people interested in looking into pet insurance.
5

out of 5

POSTED: | BY: Dawn C

Rest assured with ASPCA Pet Insurance

Writing a review for a product is a straightforward endeavor, rate the merchandise,pass along the pros and cons. But in this case I am not rating a product, I am rating more than that. When faced with a crisis with your pet that will cost thousands of dollars, you hope that your insurance will pay. You assume...that's what you pay the monthly premium for. Yet while sitting next to another pet parent who was panicked because her insurance did not cover her dogs emergency surgery i became panicked and phoned a rep. First thing, the rep could read the anxiety and crackling in my voice and reassured me and calmed me down. She asked what was going on and explained SHE could not guarantee benefits over the phone but would work with the surgical staff to immediately get an estimate to their dept that would approve the procedure or not. Within an hour the procedure was approved. The kindness and concern for my well being and my pets was greater than my friends or our family other than our immediate family. It should be noted that this is the second time in three months we had to call on our insurance, met with the same care and respect. Regarding ease of submission, you literally load an app and take a picture of your bill and submit it. That easy. For the initial registration I had a rep help me because I have tech anxiety lol and she was so kind. I am so happy I went with this insurance. There is an insurance offered at the hospital we go to...they sell it as an insurance while you are vulnerable but it really is just a discount on the bill, small and then you pay payments with high interest. I was so flabbergasted. I'm so happy we signed up with ASPCA PET HEALTH INSURANCE. They really do care about pets and their families
5

out of 5

POSTED: | BY: Jorge Navarrete

An Amazing Insurance

everything has been amazing with the pet insurance. everyone is really friendly and helpful and the app is really easy and user friendly. thank you once again for everything.
5

out of 5

POSTED: | BY: Joyce Scott

Highly Recommend

I am very happy with ASPCA Pet Insurance Company, there website is easy to use. I just scan the vet bills and approximately two weeks later I get an explanation of the reimbursements. The whole process is seamless.

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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