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: Kathi

Easier & quicker than I expected

Usually, anything having to do with insurance is not considered "quick" or "easy" but this claim was an exception. I've had an accident & illness pet insurance policy on both of my now elderly Poms for 10+ years & never had to make a claim until recently. The oldest developed Cushings Disease but we had to go through multiple testing & other treatments to find that out (process of elimination). At the same time, the other one had to have several teeth extracted. I submitted all of the relevant bills from my vet as required & found it was an easy process. I chose to have the reimbursement direct deposited & it was in my account within a few weeks. I'd much rather my girls stay healthy so I don't need to submit a claim but when you find you have to it's a pleasant surprise when the process is quick & easy.
4

out of 5

POSTED: | BY: Jasmine Castillo

Feel the LOVE

The servie is great! The care, concern and love that adds to the support makes it personal. My only concern is that it's a little pricey, but my babes are worth it.
5

out of 5

POSTED: | BY: Donna

They are always there for me and my cats.

I have had insurance with this company for probably fifteen years, and they have always been there for me and my fur children. I recommend them highly. They will even listen to you and comfort you after the transaction about your pet is done. Five Stars!
5

out of 5

POSTED: | BY: Mario

Quick and easy claim process

For this claim, we submitted an estimate ahead of the procedure and received a quick response (1-3 days) on the estimated coverage amount. Someone actually called to encourage us to schedule the procedure before the plan year was up in order to avoiding paying the plan's deductible again. After the procedure it was simple to file the claim and the funds were deposited via direct deposit making the whole process pretty painless.
5

out of 5

POSTED: | BY: Jeannette

Great insurance

I recommend this insurance for all pet parents out there ! Their coverage is great and respond in a timely manner. We are so pleased we picked them.

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 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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