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.
5

out of 5

POSTED: | BY: Judy & Jody

NEWLY INSURED AND GRATEFUL FOR SERVICE!

NEWLY INSURED AND GRATEFUL FOR SERVICE! I have always had dogs, but never had insurance. For our dog's 7th birthday I booked a wellness visit and purchased insurance for MY BEST FRIEND because we want CJ to have the best always in care. ASPCA was easy to process, when I didn't understand quite how to navigate my claim for the wellness visit the lady on the phone line was gracious and helpful. My reimbursement came right away - sooner than expected. I can't say I look forward to more dealing with this company or that would mean health issues for CJ, but I'm feeling protected financially because I took the step to protect him and us. Thank you. CJ'S MOM
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5

out of 5

POSTED: | BY: Megan Rose

Grateful!

I unexpectedly paid thousands of dollars in a few days for my dog to have emergency care. I submitted my claims as soon as possible, and within a couple of weeks was reimbursed. The money went directly into my account and it could not have been easier!
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5

out of 5

POSTED: | BY: Robin Victor

So easy to use!

The ASPCA app for submitting claims is extremely easy to use.
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4

out of 5

POSTED: | BY: Dede E

I've had ASPCA pet insurance since my…

I've had ASPCA pet insurance since my dog, of 4 1/2 years old, was a puppy. Being a lab, i got the insurance because of their notoriety of eating everything. Little did i know that when he was 1 1/2 old he would develop epilepsy. he is on medication 2x a day with 2 different medications and has been doing well on those medications. it can be expensive, but this insurance covers the cost minus 20% after the deductible is made, which is huge. however, since my insurance renewed in august, i am having a problem with submitting claims. it used to be an easy process which involved taking a picture of the receipts and Rx label and submitting. Since the renewal, the claims have been rejected and i've had to resubmit multiple times until it is approved. i'm not sure why or what i need, as i keep submitting the same documents. this process needs more explanation in the response email because if i try to call i get qued into a very long phone wait. more transparency in filing claims would be helpful. if i get a resolution, i will change my rating to 5 stars
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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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