ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Lisa

Easy, Fast, Friendly and Caring

I chose ASPCA pet insurance after much research and after questioning others about their experiences with other insurers. The ASPCA website setup is user-friendly allowing easy claim submission. E-mails are sent providing updates on the status of a claim so there is no need to login to the website. ASPCA clearly outlines specifics if they require more information for processing the claim. Turnaround for processing is usually 7 to 10 days. Claim payments are made by check or direct deposit. Customer Service is exceptional and includes a follow-up call to check on the well-being of your pet.
5

out of 5

POSTED: | BY: P. Jones

Excellant choice for your four legged family members.

As a hospital manager to a four Doctor animal hospital I have researched all the pet insurance companies multiple times. ASPCA is an insurance we recommend to our clients. They have several combinations of coverage and coinsurance that you can customize to your own needs and pocketbook. If nothing else they also offer an accident only policy.
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5

out of 5

POSTED: | BY: Tanya

Easy

I love how easy it is to file and check on claims. Always have had great experiences with customer service.
5

out of 5

POSTED: | BY: Teresa

The service is good and the price is affordable.

Outstanding service! We have two dogs a Toy Poodle Indi 14 and a Miniature Dachshund Rumor 8. Having the Pet Insurance has helped us afford to be able to give them the care they so deserve.Even if we didn't have this insurance we would find a way to keep them healthy but this sure helps!!:) Thank you.
4

out of 5

POSTED: | BY: Robyn

Great insurance!!!

We purchased the ASPCA pet insurance when we realized what we currently had wasn't great. We currently donate to the ASPCA and while I was enrolling I was told that since we donate, we get an additional 10% off of our premiums! Bonus! My dog tore his ACL, and even though it took a bit of time, the claim was paid exactly how I anticipated! Nice job ASPCA!
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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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