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: Stephanie Heist

Representatives are extremely friendly…

Representatives are extremely friendly and helpful with any questions. This is the first time I purchased insurance for my fur babies. Highly recommend.
4

out of 5

POSTED: | BY: Christine Soto

The staff that has helped me so far has…

The staff that has helped me so far has been very nice but the turn around time for reimbursement on claims is excessive compared to other companies. Every claim I have made required a follow up call 4 to 5 weeks after submission to see what the hold up is. Once I call they are usually paid within an additional week.
5

out of 5

POSTED: | BY: John Glaser

Claim process was easy

Claim process was easy, it was processed and paid quickly
5

out of 5

POSTED: | BY: Susan

Claim was easy to file and refund arrived in a timely manner.

My claim was easy to file and my refund arrived in a timely manner.
5

out of 5

POSTED: | BY: Stephen

Your pet is an integral family member - ASPCA understands this and supports you and your pet every year of their life!!!

Over the course of nearly 15 years, our family expanded to include a wonderful Cockapoo dog named Mollie. As a puppy and as an adult dog, she did everything with the family, including long walks with her parents, hanging out at the pool in the summer, offering to taste test anything that came off the BBQ grill, and vacationing in Cape May with the entire family. We decided early on that we never wanted to make serious medical decisions about our pet based on economics, so we took out an insurance policy with ASPCA. She had a long and happy life, thanks to healthy living and the special caring exhibited by ASPCA, through efficient claim reviews and more often that not, expedient reimbursement of medical claims related to illnesses and/or necessary treatments. Mollie's life would not have been as robust without the "financial caring" shown by the ASPCA organization. In her memory, we thank you.

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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