ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,140

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: Natalie

Easy, friendly, and lifesaving!

ASPCA has been very straightforward; it's easy to submit claims, they send me reasonable updates during the process, they stick to their policies. I haven't had to argue with them on a single thing. I also really liked the way that they let you change the elements of the plan around (deductible/percent covered/coverage ceiling) and see how that all affected the deductible. Our cat was diagnosed with IBD the same year that we got this policy, and it has made it so much easier and less stressful to take care of him! One caveat: we've had this policy for less than a year, so I don't know what our premiums will look like next year.
5

out of 5

POSTED: | BY: Kristi

I’m a big fan of ASPCA!

I was very happy with my insurance. I have it a 9/10 only because it did take a little while for the claim to be processed...close to 3 months I believe. But they answered all of my questions same day and of course my cat is happy healthy and back to being the terror that he is :)
5

out of 5

POSTED: | BY: Michele

ASPCA pet Insurance is a good healthcare plan.

I'm really glad a good friend enrolled me during my dogs Emergency clinic visit. I had to pay $400 that day without reimbursement. Now when my pet receives her annual Wellness shots/checks and urgent care a great portion of the bill is reimbursed quickly. Thank you!
5

out of 5

POSTED: | BY: Robyn

They always discount Vet charges and reduce payment

I should have changed companies years ago. They find reasons to discount every charge as "over the normal charges". EVERY TIME. And, they take a long time to pay.
5

out of 5

POSTED: | BY: Alex

Great Insurance Coverage by a Caring Team.

ASPCA provides a good coverage at a reasonable monthly rate. Additionally their staff is very helpful, courteous, caring about the well being of my pet and responsive.
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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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