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.
5

out of 5

POSTED: | BY: Connie

Follow up phone call by Customer Service Repr for status of Snickers 2 claims for UTI.

The Customer Service Representative was very concerned with Snickers' well being. I was able to explain my opinion, shared by several vets that has seen Snickers, as to the underlying cause of her UTI and what we were doing to manage it until she is old enough to consider any surgical options. During our conversation, I was also able to provide her with additional information they may need to consider a subsequent claim for her spay and hernia repair which was done by a vet I haven't used before and the majority of the expenses were being covered by the rescue group under the name the rescue group had for her.
5

out of 5

POSTED: | BY: Randy

Best pet insurance

This is second pet I have had plan for and would highly recommend to everyone!
5

out of 5

POSTED: | BY: Bruce

Easy to work with

I am pleased so far with the ease of turning in and receiving payment. Except for the first time we turned in a claim, all since have been very fast. Thanks
5

out of 5

POSTED: | BY: Candy

Quick and friendly

When we have met our deductible, we get quick and friendly reimbursement
5

out of 5

POSTED: | BY: Dolores

Great Insurance provider and customer service

ASPCA Insurance was recommended to us by our veterinarian. We have used their services for two of our cats over the years. When one of the carriers they use was no longer available to us, they called and quickly found another carrier for us to switch to. It's very easy to submit claims online and the direct deposit feature is wonderful.
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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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