ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,145

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: Steven Wahl

Total loss for words. Incredible service

I was surprised at the speed in which my claim was processed and the professional manner that it was handled in. That being said, I was completely blown away when I received a phone call from someone there after my claim was submitted to give their condolences to the loss of our kitty and I was truly at a loss for words. I never expected an insurance company to value their clients like that and truly show that them what they mean to them. I am without a doubt a loyal customer for life and our next kitten with certainly be getting coverage from them as well. 10 stars!
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5

out of 5

POSTED: | BY: David

Great Insurance for my dog

Great Insurance for my dog. Covered everything they said they would!
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5

out of 5

POSTED: | BY: Diane Demetriades

I think they are a good organization…

I think they are a good organization and they worked with my personal health insurance
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5

out of 5

POSTED: | BY: Renee Murphy

Very happy so far with insurance.

Very happy so far with insurance.
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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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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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