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: Nicole Starkweather

I have been very pleased with my pet insurance through the ASPCA.

I have been very happy with the ASPCA pet insurance. The app makes it extremely easy to submit and claim and the claim in processed within two weeks or less. If I have any concerns I can easily contact ASPCA and their friendly staff are always happy to assist me. I will definitely stick with this insurance.
5

out of 5

POSTED: | BY: S. Antonio

Prompt assistance

So far I have been greatly satisfied with ASPCA services and promptness.
5

out of 5

POSTED: | BY: Elizabeth D'Angelo

By Far, The Best Pet Insurance Ever!

I've had experiences with a number of pet insurance companies over the past 12 years so I can say with confidence that ASPCA Pet Insurance is number 1. They are true to their word that if your pet has been symptom free/treatment free for 6 months prior to signing up with them, they do not consider it pre-existing. I was skeptical but sure enough, this is true and I am so thankful that I switched. The website is very user friendly, easy to submit claims and the claims are processed quickly. Customer service is very helpful when needed and wait time on the phone is never very long. They are compassionate when speaking with you on the phone and very patient. I highly recommend this company.
1

out of 5

POSTED: | BY: Alex

Dissappointing at best

With the claim of being associated with the ASPCA, I had high hopes for this insurance company. Unfortunately, 90% of my claims have were denied. My dog had an accident and injured his rear knee before coverage. They use that accident to lump most of my additional claims as a preexisting condition because of his knee injury. The dog is sick with a cold, well that is a previous condition, the dog got allergies during the coverage period, you guessed it, that is a preexisting condition. Do not waste your time or money with this insurance company.
3

out of 5

POSTED: | BY: Mary Cabrera

Do Not get the Preventive benefits

I currently have Preventive benefit package it's completely useless. Constantly going to have to pay for wellness exams period. Fortunately my animals haven't had an accidental injury not sure if the pet insurance is worth it. I rather have stuck to Banfield.

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.

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