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: Kristy

Best Insurance ever

This is the best pet insurance I have ever had. They reimburse me in a timely manner and are always making follow up calls to see how my furbaby is doing. They really care about the pets..
5

out of 5

POSTED: | BY: Jim

ASPCA is the best!!!!!!

We truly dont know what we do without ASPCA insurance. Our Lab got cancer and we were faced with vet bills we could not afford. ASPCA stepped in and helped us through this nightmare and made helped us save our baby. They also called to check on Nash and have sent us a get well card. They care so much and make us feel like family. Thanks again ASPCA.
2

out of 5

POSTED: | BY: Christine B

6 Weeks or more to Process a claim???? disappointing

I submitted a claim on 8/21. I called today on 9/6 and was told that claims were behind and although they like to keep claims to a two week process period they are only processing claims received on 8/4 today and would not be processing my claim in probably up to 6 weeks or longer. I am an insurance agent and process claims ironically, if I ever told an insured they had to wait that long for someone to even look at a claim I would not be in business. I am disappointed in the service turn around time.
5

out of 5

POSTED: | BY: Alli

Best Pet Insurance Available

I have been a customer of Pets Health Care Plan (now ASPCA, I guess) for well over 15 years now. I left to try other, less expensive plans, and quickly realized that the competitors are not interested in fair claim coverage as much as almost-automatic denial of claims. In addition to getting claims covered at a really high rate with Pets Health Care, their personal attention means the world to me. I still have a voicemail saved that one of their reps left for me when he processed a claim for euthanizing one of our dogs - the kindness and compassion meant everything and he surely didn't have to call me to offer condolences while doing his job to process that claim. I will ALWAYS recommend this company to others!
5

out of 5

POSTED: | BY: Bonnie Holzman

I am very satisfied

I am very satisfied. Sara was wonderful

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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