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: Carol Angus

Best pet insurance around. Reasonable, responsive, honest and caring staff. Highly recommend.

I switched to ASPCA from another carrier and found them much more cost effective and responsive. The policy was straightforward, no gimmicks and no tricks. I decided to get coverage for my cockapoo as she aged, thinking that the costs of caring for her might increase with age and that I needed to know I could do all I could to keep her well. She had an operation to remove a tumor last year, at age 14, and ASPCA covered 3/4 of the cost. This year, my darling girl passed away and they will cover her emergency hospital bill as well as the charges for euthanasia and cremation.. I am glad I had this policy.
5

out of 5

POSTED: | BY: Victoria Richards

Very easy process!

We have been using ASPCA insurance for years and are very happy with the service!
5

out of 5

POSTED: | BY: Nazgol Meftah

Great service and follow through

The customer service is always so helpful explaining my benefits and options. Very easy to file a claim online and quick turnarounds.
5

out of 5

POSTED: | BY: Maureen Flinn

Best decision I made for my baby girl.

I am completely satisfied with the process and the customer service calls I received to check in on Remi.
4

out of 5

POSTED: | BY: Dave Krautheimer

Pup Review

Overall very good. Only issue is with payment on drugs.
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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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