ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,145

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.
4

out of 5

POSTED: | BY: Barb

Honestly, I don’t know what I would do without them!

Honestly, I love them so much. I don’t know what I would do without ASPCE insurance. I had two furry ones pass away the past two years and knowing that I’m doing everything I can for my last fur baby makes me so happy. I think their prices are so reasonable and their customer service is on point. I would say the only reason why I don’t give a full 5 star review its because claims do take a bit to process. 2-4 weeks and most of the time they need medical records from your vet which makes the process take longer. However, I haven’t had any problems with claims. Everything I have submitted has been approved and reimbursed without much trouble.
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5

out of 5

POSTED: | BY: Miranda

ASPCA Pet Insurance was valuable to us during a recent health scare for our pet dog.

We recently submitted a claim for our pet dog that would've been a large out of pocket expense had we not had pet insurance. The claim process was easy and ASPCA pet insurance was quick to process.
5

out of 5

POSTED: | BY: Aracelis

Happy with this service

Easy claim submission, reply and reimbursement. Followup call from carrier to insure satisfaction. Great experience.
5

out of 5

POSTED: | BY: Cecibel

Fast, easy and efficient

I have ASPCA for my 3 dogs for several years already ; I selected the premium myself the first time and then a customer services Rep helped me to select a better plan. Since then, everything have been so easy; the Reps are always helpful, caring and informative I do have the App which make to submit the claims a breeze . Am so satisfied w ASPCA that I recommend it to all my friends with furry children
4

out of 5

POSTED: | BY: Jill

Great Overall

We were relieved to have pet insurance for both our cats as they were aging. Overall the cost, service, and refund process is worth it and easy to navigate. My only qualm would be that when receiving refunds for claims, it would be much easier to have a receipt that breaks down the reimbursement so there is more transparency on what is actually being covered.
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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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