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: Lab Owner

ASPCA Pet Insurance- Positive experience

I have accident/illness/wellness coverage and so far I have been very happy with the reimbursement from ASPCA pet insurance. Some of my friends/family feel the monthly fee for this coverage may be too much. However, I have submitted claims under accident, illness & wellness and have been very thankful I singed up for the extensive coverage. They provide an EOB with each claim, which helps explain the reimbursement. The first claim seemed to take some time to process (but in reality it took a little less than a month to process, it just seemed long on my end). Since the first claim, the processing time has been less (approx 1-2 weeks). Submission of claims is very easy to complete using their weblink on my phone. This is the first time I have ever purchased Pet Insurance and with the positive experience I have had with customer service, the coverage and reimbursement process, I have recommended ASPCA to other pet owners.
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5

out of 5

POSTED: | BY: Gabrielle Perrella

I love ASPCA

I love ASPCA thus far! They have been great. Every time I have spoken to anyone in customer service they have been extremely polite and helpful. I have submitted numerous claims because our Rottie is always getting into something & they have honored all of his visits. Reimbursement could sometimes be a little faster/more consistent, but thats nitpicking because I always receive the funds within a few weeks.
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5

out of 5

POSTED: | BY: Anne

ASPCA pet insurance

Quick response. Kind people.
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5

out of 5

POSTED: | BY: Alison White

"A healthy dose of skepticism is a good…

"A healthy dose of skepticism is a good thing." You could say that's my motto and it was with this in mind I signed up for ASPCA Pet Health Insurance. My expectation was a lot of pushback and quibbling about claims. To the contrary, while my first claim took about a month to process, subsequent claims have been processed in less than a week and with no pushback or quibbling over whether the claims were legit. I would recommend this insurance wholeheartedly.
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5

out of 5

POSTED: | BY: LELAND STEELE

ASPCA has been great

ASPCA has been great, i have never had a problem with them paying a claim. (Not like other INSURANCES I have tried at twice the cost). They are quick, caring, call to see how my baby is doing? Do we need anything? Are we happy and satisfied with our vet? I can't believe how quick and easy the process is. I have been telling everyone I know about ASCPA. Marlene Steele
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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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