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: Kate

Excellent customer service

My cats have been insured via ASPCA Pet Insurance since 2007 and 2009. My coverage and benefits are straightforward and clear, making claims was always easy and got easier when everything transitioned to online, and reimbursement is quick (under 2 weeks usually). They clearly care about the wellbeing of my pets, since they call to see how the cats are after I've made a claim for a surgery, and they sent a card when one of my cats passed away. It's nice to be able to talk directly to a person every time I call.
5

out of 5

POSTED: | BY: Ishaan

Easy and reliable!

I've had a great experience using ASPCA pet insurance so far. My puppy hurt his paw and then fell sick and the entire claim filing, processing, and reimbursement for both instances couldn't be easier. The customer service is the outstanding and it's great to know that I can confidently rely on my pet insurance.
5

out of 5

POSTED: | BY: Katie

Simple and supportive!

When my 11 year old cat grew a tumor suddenly and terrifyingly rapidly, I got him in for an emergency vet appointment ASAP. There was no time to think about finances. Many tests were done and within the week his toe was amputated to remove the tumor. The biopsy came back that it was indeed cancer--and that we successfully got it all off of him! It was a MAJOR relief, as this cat is my best friend in the world, but the vet bills were considerable. I put in a claim with ASPCA, who I've had as my pet insurer for several years now, and they covered about 75% of the full costs of EVERYTHING! That took a lot of the financial burden off of me and helped me focus on what was important--nursing my cat back to health. Filing the claim was super easy with their online form and there was no hassling me about what any of the line charges meant, etc. In fact, the only phone call I got from them was a call after the check was already mailed to me to see if my cat feeling better. Their thoughtful, speedy service was very appreciated during what was an incredibly stressful, emotional time. I would advise, if getting this insurance, to not choose one of their pre-selected packages, and instead construct your own insurance package based on your pet's specific needs. I believe it was because I had carefully gone through and picked out each thing I needed from the insurance plan that allowed me to have such a positive experience.
5

out of 5

POSTED: | BY: Michael Melikyan

Very happy with the reimbursements of…

Very happy with the reimbursements of my expenses.
5

out of 5

POSTED: | BY: Michael Johnson

Claim Services

Seamless integration of service. Intuitive application for claims

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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