ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,191

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.
2

out of 5

POSTED: | BY: KC Baxter

Be careful

Be careful. The flagged my pet with a pre existing condition of “allergies” and so now they flag any issues as “allergy” to not reimburse. I had to rush my dog the an urgent vet because he was bitten by a spider in the neck which caused inflammation, raspy breathing, and swelling. $262 vet bill for an antibiotic shot. ASPCA denied my claim within a day since apparently that falls under allergies… Called in, was told the decision was final but I could jump through multiple hoops to try and dispute it with a long vague explanation that included me mailing in a letter. (Idk if true but that’s what I was told)
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5

out of 5

POSTED: | BY: DME

Claims paid quickly

I have filed three separate claims recently and the online process is straightforward and easy to navigate. After meeting my deductible, the claims were processed and paid quickly.
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5

out of 5

POSTED: | BY: Paul

Easy Claim submission and quick turn…

Easy Claim submission and quick turn around time.
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5

out of 5

POSTED: | BY: Dan Castiglia

First time customer in August 2024

First time customer in August 2024. Submitting reimbursement claim and receiving funds was easy and prompt. So far so good Cappy is a good boy
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5

out of 5

POSTED: | BY: mark dobrzynski

They are very clear about deductible

They are very clear about deductible, and what’s covered. The claim process is super easy and the money is put into my bank account. I highly recommend.
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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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