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: KH L

I hesitated buying policies for my pets…

I hesitated buying policies for my pets as I wasn't sure if I wanted the additional monthly expense for the premium (just less than $100 for 2 pets). I'm really glad I did. One pet got terminally sick just a few months after I got the policy. Needless to say, I had a lot of vet bills but the insurance covered a good portion of them. They were prompt about paying out claims and I even received a condolence call from them after my pet passed away. I thought that was very thoughtful of them. I highly recommend having a policy, especially if your pet is middle aged. It certainly made it worthwhile for me. This company is solid!
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5

out of 5

POSTED: | BY: Victoria M.

I love it.

Covers just about everything that I’ve needed for my molly. Quick and easy to submit a claim. Money back within a month.
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5

out of 5

POSTED: | BY: wilson eng

Highly recommend

Great carrier. Although the turnaround time to reimburse does take long. First claim took over a month. Second claim the same. Third claim about two weeks. Hard to give an honest reviews after three claims. So far, all the claims have been reimbursed. Great rates! Will recommend to friends.
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5

out of 5

POSTED: | BY: Magdalena Zullo

Great insurance

I work in veterinary field and deal with all kind of insurances daily. I was little hesitant to get one for my personal pets but took a risk and enrolled them in aspca. Cannot be happier. So easy to enroll, to submit the claims and receive reimbursement. Definitely my favorite on the market.
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5

out of 5

POSTED: | BY: Mark Kotch

Really like your service!

Really like your 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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