ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: Cindy Froman

ASPCA pet insurance has courteous service, super easy and convenient claim service and fast payment on claims.

I have three dogs of different breeds insured with ASPCA. Since being insured they have had to go to the emergency vet for intestinal issues and my youngest had to have knee surgery followed by rehabilitation for six weeks. All I had to do was take a picture of the bill, explain what happened and submit it. The claims were always paid within 2 weeks.
5

out of 5

POSTED: | BY: CW

New Pet Dog

adopted a 7 mo rescue dog & thought best to have insurance, as one is usually clueless on their past history. Sure glad I did....insurance was needed for both an illness & catch up on wellness shots....claims were reviewed in a timely manner & agreed with all decisions that were made
5

out of 5

POSTED: | BY: Karen Zimmerman

Easy and Efficient

This is the first time we've ever had pet insurance, and I wasn't sure it would be necessary, but we purchased it at the time we rescued our cat. We have submitted claims for wellness checks and used the online forms which were very easy to fill out. The claims were processed in short time. This year we were surprised to learn that our cat needed several teeth extracted--our first high dollar event. Again, the claim was easy to fill out and quickly processed. I highly recommend ASPCA pet insurance. You may not think you will need it, but if you do, it's very helpful and comforting.
4

out of 5

POSTED: | BY: Diana

Easy to file claims

Claim forms are easy to fill out. Fast response time.
5

out of 5

POSTED: | BY: Barbara

Incredibly happy and satisfied with…

Incredibly happy and satisfied with ASPCA. We decided to get pet insurance for our German Shepherd puppy when he was about 12 weeks old. ASPCA is a little more expensive than other plans, but it has been well worth it. Our puppy had to go to the emergency room and was hospitalized for several days. It was stressful and would have been even worse if we had to figure out how to pay for his treatment out of pocket. We were glad that we didn't have to make any decisions based on financial constraints and could just give him all the extra care he needed. Submitting claims is easy online, and we received the reimbursement within a couple weeks. We decided not to get preventative care, but in hindsight we wish we had, as our little guy has been high maintenance. When we come up for renewal, I will probably add the preventative care. If I had to do it again, I would have gotten the insurance before I even got our dog, so we could have used all the preventative care allowances from the beginning.

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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