ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Flavio

Best pet insurance out there.

Not only is the customer service great, but the claim filing procedure is a breeze. First of all, they show they care about your pet when you talk to them about a claim. Secondly, they guide you in the right direction about filing and even teach you what to do if necessary. And last but not least, the ease with which you can file a claim is outstanding and your reimbursements arrive quite fast especially if you have direct deposit set up with them.
5

out of 5

POSTED: | BY: Emily

Excellent Coverage and Wonderful Customer Service

I started using ASPCA insurance for my Great Dane (Medusa) through my previous employer two years ago. Even after I left that company, I decided to continue using this insurance because of how wonderful they were. I have submitted claims for everything you can imagine: wellness visits, emergency visits, surgery, prescriptions, etc. I have always received quick reimbursement and great customer service. Almost two months ago, Medusa was diagnosed with lymphoma (a terminal diagnosis for dogs). This insurance is the only reason my dog is still around. Without having this coverage, I would have never been able to afford the chemotherapy that will extend her life and keep her as happy and healthy as possible until the end. Two or three weeks into Medusa's treatment I received a voicemail from the ASPCA asking about her. I was hesitant to call back, wondering if this was going to be a call where they tell me they can no longer provide the support we needed to continue treatment. I was absolutely amazed when I called back to find out that they really just wanted to check on her health and give me their sympathy. It was by far one of the best customer service experiences I have ever had. I have recommended this insurance to so many of my friends, and I encourage others to look into it as well. They have a variety of plans that are affordable and the coverage really is worth it.
5

out of 5

POSTED: | BY: Patricia

One of best decisions I ever made

My rescue cat, Max, has had several health issues over the past few years. Thank God for ASPCA pet insurance. I don't know what I would have done without it, especially this year with his needing surgery to correct a congenital problem. I look forward to many more years with my sweet little furry footed companion!
5

out of 5

POSTED: | BY: Betty

This is the only pet insurance you will ever want and need!

This company is far above and beyond anything you could expect from and insurance company. They actually CARE about your pet. Their benefits are wonderful and filing claims is a breeze. Processing is fast. The staff is compassionate, thoughtful, and competent. Their rates are competetive. I recommend them to everyone I know who has a furry family member.
1

out of 5

POSTED: | BY: Donna

Don't need personal info to get quote

Don't need personal info to get quote!!!

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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