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: Crystal V

I had a wonderful experience with ASPCA…

I had a wonderful experience with ASPCA Pet Insurance. When my poor little dudes stopped eating and drinking, we immediately brought them to the emergency vet. Our cats are family. When I submitted the claims, I made a mistake on one and when I called, the rep was very caring and asked about my cats, by name, immediately. She also rectified my error for me. Checks were cut quickly and matched exactly what I thought they would be regarding the coverage I chose. EOBs were provided that were clear and concise not only through email but with the reimbursement checks. I cannot recommend getting ASPCA pet health insurance enough. I am very pleased with my experience and anticipated continuing this coverage for the life of my pets.
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5

out of 5

POSTED: | BY: KRYSTAL OZANICK

So glad we went with ASPCA for our…

So glad we went with ASPCA for our puppy’s insurance. Quick reimbursement and excellent customer service.
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5

out of 5

POSTED: | BY: Alicia Biel

Have covered everything they said…

Have covered everything they said without trying to deny any. Customer service on the phone is also great and helpful.
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5

out of 5

POSTED: | BY: Dana Teicheira

Good value for pet insurance

Good value for pet insurance
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2

out of 5

POSTED: | BY: happy camper

Very slow processing of claims..

Very slow processing of claims... Takes forever!
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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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