ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Josh McCrillis

Great insurance, great company

We have been with ASPCA insurance for almost a year. Recently one of my animals has been experiencing some health issues. I was floored when Shelly from the customer care department called to check on my dog! If I could improve one thing about ASPCA it is the claims processing, and that isn't terrible. I have checked several other top rated pet insurances and some of them do not offer a "wellness" plan, so you are on your own with the normal and routine stuff (annual check-ups, heart worm prevention, regular shots). My particular vets office charges a little more that ASPCA reimburses, but that is just like going to your own doctor and paying your co-pay.
5

out of 5

POSTED: | BY: Michael Corbett

Fast easy and fair

Fast easy and fair. You could not have been more help
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4

out of 5

POSTED: | BY: Matt

Pricey but Worth It

After one of our pups underwent cataract surgery without insurance, we realized it would make a great deal more sense to sign up for some coverage. As our pups get older, the costs do grow at the vet and ASPCA has been good at covering the bills.
5

out of 5

POSTED: | BY: Richard Winton II

Good product

Good service and coverage so far. Would recommend
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5

out of 5

POSTED: | BY: Lizabeth Spoonts

Prompt and efficient claim response

Prompt and efficient claim response
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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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