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: Larry

Without aspca pet insurance may have died because I didn't have the money for the vet bills

Without aspca pet insurance I believe my Pomeranian puppy would have died because I didn't have the money on hand for the Parvo virus vet bill. Since I had pet insurance I was able to borrow the money from a family member knowing that I was going to be reimbursed and I could pay them back. My reimbursement can back very fast especially with Direct Deposit, and I was able to pay the borrowed money back fast than I thought. Now I don't worry about vet bills because I can always borrow the money if I don't have it knowing I can pay it back quickly
5

out of 5

POSTED: | BY: Brendan

Highly Recommend!

I can't recommend ASPCA insurance enough. I have two cats that have a tendency to team up and get into trouble every once in a while. The two times I've had to file a claim for emergency visits, I was recouped between 80 - 90% of the costs after a quick and easy review process. Give them a try.
4

out of 5

POSTED: | BY: Sylvia Schusler

ASPCA pet insurance is the only one…

ASPCA pet insurance is the only one that considers a pre-existing condition cured if there are no symptoms for 180 days. All other insurances say that once there are symptoms or a diagnosis the condition is not covered.
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5

out of 5

POSTED: | BY: Daniel Marsala

Aspca pet insurance has been amazing…

Aspca pet insurance has been amazing for my dogs, it has more than paid for itself on numerous occasions. They're very quick to process claims and overall are a wonderful service.
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4

out of 5

POSTED: | BY: Lenore

Exceptional Service

Aspca was a great support when I loss my Jazzy. The out poor of support was above and beyond. Your customer service is exceptional and your agents are knowlegable and supportive.
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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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