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.
5

out of 5

POSTED: | BY: Desaree Singh

I have had this insurance for my dog…

I have had this insurance for my dog for about a year. After tons of research I found this one to be the most affordable. They have been absolutely great. When ever I send the claims to them they always have a great turn around time. If I have any questions I call and everyone that I have spoken with is extremely helpful and very nice. I have told everyone at my vet's office about the ASPCA Pet health insurance so that they can let other clients know. They are very affordable. I wish I would have signed up for this when my dog was a puppy!
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5

out of 5

POSTED: | BY: Irma Ramos

best decision I ever made for me and my pet

Getting pet insurance was the best decision I could have ever done. And the experience with ASPCA was the best I ever had they kept me posted on every step of the way. It was easy and efficient. I have the app on my phone and everything was just so simple and self explanatory. I wouldn’t change anything about the care and customer service I received.
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5

out of 5

POSTED: | BY: Zoe McCarthy

Best pet insurance out there

Great coverage, claims are processed fast, wonderful service. I wish my own insurance was this easy!
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5

out of 5

POSTED: | BY: Mindy

Great Per Insurance Provider

ASPCA pet insurance is very fair. My Yorkie has had two major injuries/illnesses since I’ve been insured by them and they covered most of the bills. What they didn’t cover made sense to me. Customer service is top notch. So much better than my prior pet insurance company which always found a way out of coverage yet constantly raised my premiums.
5

out of 5

POSTED: | BY: Iris

I would highly recommend for anyone looking for Pet Ins, to go with ASPCA.

I’ve been an ASPCA INS. member for a number of years. Fortunately my Pugs have remained reasonably healthy but this past year, my Pug Nina who is 13 now has had a bad health year with several different issues. ASPCA has been wonderful . It’s such peace of mind when I’m in the Vet Clinic To Hand over my charge card knowing it won’t be taking such a hit because of the Ins. The claims are processed amazingly fast. I am forever grateful to ASPCA for what they do, not to mention everyone I have spoken with when I call. Thank you so much ASPCA. Sincerely Iris 😊🐾🐾
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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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