ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,064

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: Emily Bailey

Wonderful 😁

My pup wound up needing hip surgery. They covered every visit, every medication, everything she needed. Wont switch to any other insurance
5

out of 5

POSTED: | BY: Reyshaun Medina

Amazing!!

Easy to process claims, we get covered for nearly all costs so far, and get almost all our money back with 80% coverage including basic preventive and is reasonably priced for two cats. Completely happy with ASPCA insurance :)
4

out of 5

POSTED: | BY: Donna

Claims are easy to submit on line.

Claims are easy to submit on line.
5

out of 5

POSTED: | BY: Kelsey Worley

peace of Mind for 2 yo German Shepherd Rosie

Buying ASPCA pet insurance was agreat decision for myself and my 2 year old German Shepherd Rosie. After the insurance- free experience of my previous dog Sadie’s cancer battle, I knew health insurance for my new dog would be important. It’s been fantastic having the peace of mind knowing Rosie is covered. The claims department works efficiently and the staff is very friendly. One of my best decisions, absolutely!

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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