ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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.
4

out of 5

POSTED: | BY: Avery Hines

This is our first year using ASPCA…

This is our first year using ASPCA insurance and so far we’ve had a great experience. The customer service has been very friendly and our claim turn around time has been pretty decent, about 1 month. The only place I think that could use a little improvement is the turn around time for an estimate approval as I was told it could take anywhere from 10-14 days and if your pet needs something very expensive faster than that, what’s the point of submitting an estimate? Overall we’ve been happy and satisfied with our experience.
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5

out of 5

POSTED: | BY: Kelly Guardiola

I have been with ASPCA Pet insurance…

I have been with ASPCA Pet insurance for 7 months and I love how quick and easy is to make the claims and if you hava questions you can call and the costumer service is excellent.
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5

out of 5

POSTED: | BY: Elizabeth Ellis

Affordable and Easy to Use

The best pet insurance pricing I could find. They are always quick with reimbursements. Have been using for about a year and have had no issues. The app is VERY user friendly and so convenient.
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5

out of 5

POSTED: | BY: Jan

Fast response and refund

I had another insurance company and wasn’t happy at all!!! You guys are the best but wish some of her pre existing conditions were covered
5

out of 5

POSTED: | BY: Geoff

First claim was a breeze

My dog ruptured her nail. My vet sent in the claim and they paid my vet 90% minus my deductible within a few days. They were great
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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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