ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,062

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: Allyson

They do what they say

They do what they say and claims are handled quickly with only the necessary documents. No, we need more information.runaround. I highly recommend. Best thing I did for my pet! ( and my wallet)
5

out of 5

POSTED: | BY: Jeffrey Gordon

Highly recommend this insurance to others

ASPCA Pet Health Insurance is professional and efficient. If I need to make a call to clarify something, the communication is clear, and professional. I recommend this ASPCA Pet Health Insurance, to anyone who is looking for coverage for their beloved pet!
5

out of 5

POSTED: | BY: Jamie Rindahl

Thank you so much for this service!!!

Thank you so much for this service!!!! I don't know what we would do without it!!!
4

out of 5

POSTED: | BY: Sandy

Happy customer

I’ve had to recently submit claims for my dog. After my deductible was met, I promptly received a reimbursement check for the tests my dog received. I wad reimbursed the total amount billed minus 10% since I opted for 90% reimbursement. Very pleased with the ease of submitting the claim and the prompt response. Thank you!
5

out of 5

POSTED: | BY: Stephanie Turner

Honest,appropriate wait times for reimbursements

I had been paying for injury and illness insurance for my cat from the age of four (he's eight now). Until recently, I had never really had to claim for any of my animals, so my husband made fun of me for this extra expense. July 2nd of this year, my cat stopped eating. After 6 weeks of diagnostic wonder and testing (and, in total, over $6k in bills), he recently came back positive for stomach cancer. Without ASPCA health insurance, we would have never been able to afford the diagnostic testing that allowed us to consider all of our treatment options for our beloved pet. They approved claims within about two weeks, and we had reimbursement checks within the month (often sooner). They're even covering (90%) the OTC and prescription meds he needs between appointments. If I would recommend anything to loving pet owners, it would be to get health insurance for their pets. It made the difference in my family.

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.

Get a quote today

Leave a review