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: Dawn Maze

Thank You ASPCA Pet Insurance

I have held policies at other pet insurance companies over the last 20 years, however, after finding ASPCA Insurance about 9 years ago, I will always keep my fur babies insured with them. The claim process is straightforward and reimbursements are easy to understand. Customer Service is responsive and knowledgeable and always make me feel like they care about me and my dog. Accidents and illnesses are stressful & scary so I very much appreciate being able to talk to a representative who understands this. My dog is getting on in years and things are starting to go wrong, but I feel confident that we have a made the right decision in choosing ASPCA. Thank you for being there for us!
5

out of 5

POSTED: | BY: Eric

Reliable and painless

I have been on ASPCA insurance for two years and visited vet on multiple ocassions as my cat got an ear infection. Also brought my cat to emergency clinic once after observing abnormal urination behavior. In all of these ocassions, the claiming process was extremely smooth, from filing online to receiving reimbursement directly deposited in my bank account. I found no restriction on which vet I am visiting as well so far. Hence it has been a zero pain reliable pet insurance for me and my cat.
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5

out of 5

POSTED: | BY: Andrew

Life Savers, Literally.

Has been a true help these last few years since our senior dog has grown older. Super easy to submit claims and has covered every visit, medication and procedure since we enrolled. Not sure what we would have done without the policy. Highly recommended to all owners - especially helpful to have the policy in place before we needed it.
5

out of 5

POSTED: | BY: Marci B

Great company

quick payment; great customer service
2

out of 5

POSTED: | BY: Steve Mohink

This is a great program!

This is a great program!
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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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