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.
5

out of 5

POSTED: | BY: Jared

Providing piece of mind that you can do everything in your power to provide the BEST care for your loved one!

Receiving the news that your beloved fur baby has cancer is horrifying and leaves you feeling helpless. What a relief it has been to know that I can work with any specialist at any hospital to ensure that my precious baby Lily receives only the best possible care. Purchasing health insurance for Lily was one of the single best decisions that I have made to date, and I would recommend to anyone on the fence to take the leap of faith. I couldn't imagine having to deal with the financial stresses associated with a cancer diagnosis on top of the emotional stress. ASPCA customer service has been outstanding and their claims handling seamless; it really couldn't be any easier to process a claim: snap a few photos, describe what is going on, and receive a direct deposit just a few short weeks later! I HIGHLY RECOMMEND ASPCA pet insurance to all pet owners! Gratefully yours, Jared
5

out of 5

POSTED: | BY: Sally Fisher

ASPCA pet health insurance has been…

ASPCA pet health insurance has been wonderful, they let you know when they receive your information and keep you informed every step of the way right up until you receive your insurance check. I have to say, this insurance for my pet is far better than the insurance I have for myself.
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5

out of 5

POSTED: | BY: Dee Rush

I am so impressed with our pet ASPCA…

I am so impressed with our pet ASPCA Insurance. We have 3 dogs insured with them. We have had to use them 3 times for one dog, and each time, they pay within days, haven’t raised our premium, they call to ask how the dog is doing~~amazing. Wish our human insurance was similar~ I would recommend this insurance to any animal owner. A great value and so helpful for those large bills.
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5

out of 5

POSTED: | BY: Shelly

Always a fast response and payment.

Always a fast response and payment.
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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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