ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Joshua

So happy I made the switch to ASPCA Pet Health Insurance for my furry kiddos!

I am a convert from another pet insurance company that rhymes with "companion": I experienced the nadir of customer service, coverage, reimbursement and overall satisfaction there. That said, I had my doubts when I first switched to ASPCA. Those doubts were almost immediately assuaged by the experience I had, and continue to have, with ASPCA. The claims process could not be easier. The phone app is excellent and easy to use. I have received amazing reimbursements (one of my pugs had an extended bout of pneumonia). They give at least partial reimbursements on things no other company will. When you call, you actually talk to a HUMAN...and a "local" one at that! They actually call you to check up on your pet's well being and are genuinely concerned! Seriously, what other insurance company does that?!?! And after every illness claim! My human health insurance can't even touch that, and I have "good" health insurance! The thing that made me first make the switch though, was when I looked up "companion"s reviews on an online review site. The company didn't respond to a single one of the many negative reviews it had received. When I looked at ASPCA's reviews, they had responded to every single one of the few negative reviews in an attempt to fix the issue. That said a lot to me. Yes, it costs a bit more. But when I factor in the reimbursements and the satisfaction, ASPCA is the clear choice. I could not be happier :)
5

out of 5

POSTED: | BY: Teresa

ASPCA is amazing !!!

Thank you ASPCA for caring for my cats. We just found out Willy has cancer. My heart is broken but I want to say thank you so very much to ShelI. She called me today and comfort me talking to me and helping me through this hard time kudos to her I so appreciate it God sent me an angel and it was Sheli and ASPCA.Thank you for all you do for animals.
5

out of 5

POSTED: | BY: Manoj Das

I have pet insurance for my two cats…

I have pet insurance for my two cats through this company, one of my cats was injured severely. I received my 90% back very promptly. This is a good company to work with and cheaper than any other pet insurance company I have seen.
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5

out of 5

POSTED: | BY: Karen

I would recommend

Excellent
5

out of 5

POSTED: | BY: Jean

Friendly, fast, efficient service

Couldn't be happier with the fast and friendly service received. No hassle, all good. Saved us a bundle and worth every penny.
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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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