ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,096

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: Adam

Absolutely worth every penny

Over the years I didn’t have to use ASPCA vet insurance often because my dog was healthy. I often wondered if it was worth it. Then this past year, Odi sliced his leg open (needing stitches), had bloat (requiring major surgery), and ate a chicken wing bone (requiring a couple intense check ups and a few prescriptions). When Odi needed stitches, ASPCA reimbursed my claim in just a few days, an English speaking American answered when I called, and they reimbursed almost the entire amount. This gave me confidence to allow the vet to do whatever was needed regardless of cost for each of his other incidents, and again they reimbursed almost everything and were always available. A must have for every dog owner.
5

out of 5

POSTED: | BY: Annalisa

ASPCA Insurance is wonderful and caring.

ASPCA insurance has been there for me and my “Samson” during a trying time and illness. I has lightened the load!
5

out of 5

POSTED: | BY: Ricky

Why would anyone not have pet insurance?

I have had a great experience with ASPCA pet insurance, I am so glad my pet is covered by them. They are quick with claims, a few clicks and a few days and a check arrives in the mail. They always pick up the phone promptly when I've called with any questions. They also covered the majority of my pets last emergency visit, which was sizeable. Overall, I couldn't be happier with ASPCA pet insurance and I'd recommend anyone with a pet to sign up.
5

out of 5

POSTED: | BY: Ellen

I've tried others- ASPCA is most fair!

I wouldn't be without it. It's so comforting to know they have your back -just in case!
5

out of 5

POSTED: | BY: Deborah

Truly Good Insurance

I have only good things to say about this pet insurance. I have had a very good experience dealing with them. Any time I've had to call, I've gotten someone on the phone who was polite and answered all my questions. The claims have been paid exactly as stated in the policy and in a timely fashion. I feel lucky to have them.

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 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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