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: Debbie Reeves

Look no further for Pet Insurance !!!

This is by far the BEST PET INSURANCE!!! I have made several claims on my German Shepard. I met my deductible, my dog Hans came down with an illness & had to see specialists. From the very 1st claim, they have paid 90 percent (the plan I chose) no questions asked. I have since made several other claims back to back and they paid & paid quickly!!! I even opted for "snail mail" instead of direct deposit and it was unbelievably quick to be in my mailbox. Thank God I chose ASPCA and Thank God I took out insurance on my dog bc unexpected things happen and you never know when!!! I told the people at the front desk of this huge vet clinic, if anyone needs pet insurance ASPCA is the BEST!!! Her reply was, "Yes, we know, they are top rated"!!! Whoever reads my review doesn't know me but trust me, ASPCA is AWESOME!!! I would not look or think about using another company bc you cannot find a better one!!!! and no I DO NOT WORK FOR THE COMPANY. I have used them and they saved me soooo much money!!! Look no further, for pet insurance!!! Oh and they are the sweetest ppl in customer service, they have called several times to ask how my Service Dog Hans is doing!!!! Thank you ASPCA!!! Sorry one last thing, they are inexpensive and that means sooo much to me bc I am disabled and on a fixed income.
5

out of 5

POSTED: | BY: Vicky Sweat

Great decision to insure our new pet

Never have we regretted insuring Rubye which is now 10 yrs 4 months old. She was diagnosed with Lymphangiectasia in 2013, and ASPCA has been taking care of us . Always been there for us.
5

out of 5

POSTED: | BY: John Ovaduke

Godsent

Thank God for ASPCA Insurance.
5

out of 5

POSTED: | BY: Rose

ASPCA removes barriers and makes caring for my cats easy, fast, and pet-centric.

I purchased cat insurance right when I got my kittens. I was able to adjust my plan after they were through the first year (lots more vet visits) to be for more 'cat'astrophic care. However, when my cat turned 4 he started having digestive problems. I never had to make a decision about my pet based on money. I could tell the vets were worried that diagnostics would be too expensive, but when I told them I has ASPCA coverage I could tell they were very relieved. With each visit, submitting the claim is fast and easy. I usually just take a picture with my phone and submit the claim right from my mobile device. It is easy to track the progress right from my phone and the money deposits directly to my account shortly after the claim is processed. Overall, it is a fast, simple process. I can spend my time worrying about my cat and not about the insurance claims.
5

out of 5

POSTED: | BY: Craig Stephan

Excellent pet insurance

Excellent pet insurance. Easy filing procedure and timely payments. Who could ask for anything more? Keep up the good work and thank you for the peace of mind.

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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