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: Krit Campbell

Life Saving Insurance

I had a shaky start with ASPCA insurance only because I didn't understand what kind of insurance I got for my rescued, huge-breed dog. I almost canceled it, and THANK GOD I DIDN'T! My under 2-year-old Sarplaninac pup got Anaplasmosis, worse than Lyme disease. She has needed Emergency care, tons of medication, X-rays, Therapy, etc. All of which cost a lot. ASPCA has paid on every single claim. Even for just medication refills. They question none of her care and allow me to give her the best possible medical treatment and not worry about any cost restrictions. They have saved her life. HIGHLY RECOMMEND. I will never be without it.
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5

out of 5

POSTED: | BY: Cassey-Lee Prinsloo

Super quick turn around

Super quick turn around. Easy to submit, great support from staff. Very impressed
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5

out of 5

POSTED: | BY: Jeffrey Townley

Quick and painless

Just very quick and painless
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5

out of 5

POSTED: | BY: Edward A.

Great service and very fair.

I have had ASPCA Pet Health Insurance ever since our dog was a puppy. Have had a number of great experiences with this insurance and would recommend this product 100%, very satisfied.
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1

out of 5

POSTED: | BY: Nadja Bass

Not at all satisfied

Not at all satisfied. Their plans should have stated pre-existing symptoms (which come from a host of conditions or illnesses), not conditions.
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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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