ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Joyce

Great investment for pet owners

PROS: Convenient monthly payments can be automatically charged, and the online claim process is user friendly (if you have computer access). Some claim process in about 3 weeks, and some faster. The 90% coverage has been a lifesaver as my poor kitty has IBD issues. Cons: I have the $250 deductible plan, which does not cover general checkups, taxes or shipping charges for online meds, or anal expression (sorry, TMI). The plan also charges a small fee for the monthly payment plan (no charge if you pay the $600 annual in one lump sum), which seems a bit much in today's online banking is very commonplace. ASPCA sometimes calls to ask how Cadelia is doing, which is a nice nuisance. The few times I've called CSR, never had a problem.
5

out of 5

POSTED: | BY: Kara

Great choice for our fur baby!

Buying insurance for our fur baby was the beat choice and ASPCA has been a great pick!
5

out of 5

POSTED: | BY: Susan

The ASPCA Pet Insurance is the best insurance , very good customer service and claims are processed efficiency

Excellent
5

out of 5

POSTED: | BY: Jessica

Amazing turnaround time for claims. Very easy app to use

Great customer service. They followed up to see how our dog was recovering from surgery.
5

out of 5

POSTED: | BY: Carmen

They care about your pets and you!

The folks at ASPCA have been great to work with, starting from the beginning when I was researching coverage for our new family addition, Teegan, the Australian Labradoodle! We are so thankful to have chosen ASPCA for our pet insurance needs because they have been fair, prompt and they seem to pride themselves on great customer service!
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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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