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: Larisa

I am SO happy I have ASPCA Pet Health…

I am SO happy I have ASPCA Pet Health Insurance!! They have been so helpful for me and my little Gracie!! They are always very kind, informative and knowledgeable. In moments when when my little puppy has gotten sick (throwing up in the middle of the night and such), I get super nervous. The last thing I want is to also have to worry about money at that moment. Wth ASPCA I can relax knowing that they'll have my back!! All I have to do is follow a simple few steps and I get my check in the mail shortly after. If you have a pet and you live in a budget, having pet insurance is a must! My experience with ASPCA has been so amazingly great, I'd like everyone to enjoy the benefits I've been able to enjoy.
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5

out of 5

POSTED: | BY: JOEYC

Satisfied Customer

Relatively expensive but covers my dog's illnesses, treatment and meds once the deductibles are met. Costs can be excessive that's why insurance is so valuable. Good to have when needed.
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5

out of 5

POSTED: | BY: Emilia Cotto

Just want to thanks you for all your…

Just want to thanks you for all your help, if i do not have your service my dog will be dead by now. Thanks you.
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5

out of 5

POSTED: | BY: Amy Greene

Great at paying claims

ASPCA Pet Insurance has been great about paying out claims and the turn around hasn't been to long. A few weeks at most. My dog had to have two surgeries within a couple months and they covered it. As long as it isn't a pre-existing condition, it should be covered.
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4

out of 5

POSTED: | BY: Hannah

You need this!

I haven't had a single problem with this insurance. Whenever I need help, they are always so easy to deal with and always friendly. Crazy affordable rates with amazing benefits! I only wish they covered horses too!
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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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