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.
4

out of 5

POSTED: | BY: Doreen

Wonderful Customer service!

I'm very pleased so far with my interactions with this insurence company, although I was a little dissapointed the claims took longer than expected, almost 7 weeks. Your customer service reps are outstanding. I talked to three different people in two days,(Sherry, Tory and Sharon, I believe) and they were all very kind, personal and helpful. People like them make it a joy to do business with and I think they may need a raise or a nice holiday bonus. How am I doing ladies? I really did enjoy talking with each of these ladies.
5

out of 5

POSTED: | BY: Arlene

Simply the BEST

Best overall and perfect customer service!
5

out of 5

POSTED: | BY: Bernard

Good Value for the Money

I have had the ASPCA pet insurance for the past several years now and I find it helpful in respect of making sure I take my pets into the vet whether for routine visits or the occasional illness visit. Things have become more and more expensive these days and pet care is no different. Its nice to know that within a reasonable amount of time a good percentage of the bill will be reimbursed, making pet care affordable and helping my companion stay healthy!
5

out of 5

POSTED: | BY: Janice

Life Saver for Pet Medical Expenses

Recently, my older Bichon had two emergencies, one of which required unexpected surgery. Dog surgeries aren't cheap. And this came out of the blue. I submitted my dog's medical receipts, and ASPCA Insurance sent me a very nice check to cover a portion. Then my dog partially tore an ACL. More vet expenses and another helping hand from ASPCA health insurance. At one time I wouldn't have considered the expense of pet insurance worth it. But after going through this year in particular with unusual vet bills popping up, it was a relief to have pet insurance, and ASPCA is excellent in responding. Worth the insurance fees to have the help when you're suddenly hit with an unexpected bill.
5

out of 5

POSTED: | BY: Dana

The customer service staff is always pleasant and the claims are processed promptly.

This has been well worth the investment for us. Our cat had extensive medical issues in his first year of life and ASPCA has been a pleasure to work with.

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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