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: John

Crazy easy

I purchased my policy shortly after I brought kitty home and he had a run in with another animal. While waiting for his treatment to be completed I picked up a brochure for ASPCA insurance. I searched the internet for other companies and after studying several policies went with ASPCA and couldn't be happier kitty needed another trip to the ER and after we got home I went to the website and in three minutes I was done and in two days everything was approved and reimbursement was on the way. Three days later kitty relapsed and I took him to his regular vet who diagnosed him properly. I waited two days before completing the paperwork again all online couple of questions and a picture of the bill and about three days to process and again approved and a check is on the way. I can't say enough good things about ASPCA and the way they handled everything I would recommend them to everyone.
5

out of 5

POSTED: | BY: Mary

The best User friendly process ever!

This was the easiest claim filing process ever and I got a call from Shelley to check on Lola to see how she was doing which was really nice!! Best company!
5

out of 5

POSTED: | BY: Kelly

I wish I had ASPCA pet insurance for myself!!

ASPCA pet insurance is the best! It is so easy to use, and the turn-around time for reimbursement is so quick! The ease of submitting the claims is great because you can do everything online, and even keep track of the status. The customer service is great. I even had someone call to check on how my dog was doing. So happy I chose ASPCA pet insurance. :)
5

out of 5

POSTED: | BY: Linda

Excellent Customer Service

ASPCA is very easy to work with. Very understanding and helpful. Also, love the follow up phone calls to see how my pet is doing. They were also very sympathetic when my dog Jessie passed away. They were very kind and caring.
5

out of 5

POSTED: | BY: NICHOLAS

Highly Recommended

Our experience with ASPCA has been excellent. Our plan is great--$30/month gets us reimbursed at 90 percent up through $15,000 with only a $250 deductible. This includes treatment for chronic conditions such as diabetes. We have had to take our kitty to the ER four times this year. Filling out the claims takes less than 2 minutes and we have been reimbursed with no hassle. Our experience is a testament to why we got pet insurance.
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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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