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: Enrique

Fast and caring service

Ease of claim submission and expeditiousness of reimbursement are only one part of this great service. The most important aspect is how much the staff cares about our pets and the issues afflicting them. Being part of the ASPCA makes this insurance service one that is finely tuned to the concerns and needs of pet parents, because they are pet lovers as well. This was especially true when our dog needed abdominal surgery to remove an obstruction. We were very focused on caring for him so an easy, worry free reimbursement was a wonderful way for us to focus our energy on the prompt recovery of our beloved pet.
3

out of 5

POSTED: | BY: tina

claims take a long time to get paid

Claims typically take 4 to 6 weeks to get paid. I've had a few get paid in less than 4 weeks, but the majority are 4 to six weeks. That is too long in my opinion.
5

out of 5

POSTED: | BY: Anne

nicely surprised

I am very nicely surprised to see how well and organized this insurance works. It took a little while (mainly because my vet did not respond in a timely manner) but I got the checks in the mail, and also a phone call to make sure I was satisfied.
5

out of 5

POSTED: | BY: Sarah

Grateful and Thankful For Compassionate Care and Coverage.

ASPCA Pet Health Insurance has been a tremendous source of support for me in caring for my precious cat. ASPCA representatives are always very friendly and very helpful whenever I call with a question or a request. They always ask about my cat first and foremost and I always appreciate their concern and compassion. I also appreciate the time and effort they always take to explain their services, plans, prices, and just anything in general. In addition, I am always kept updated when it is time to reevaluate my plan, so as to ensure I am continuing to receive the most comprehensive, yet economical, coverage for my cat as he gets older. ASPCA provides me with much comfort knowing I can take care of my cat's needs and I can do so with a peace of mind that enables me to completely focus on the priority of ensuring my cat is always receiving the care he needs and deserves. As long as I am lucky enough to be a pet parent, I will always have ASPCA Pet Health Insurance too.
5

out of 5

POSTED: | BY: Lynn

Assures medical treatment for my furbabies

A number of years ago our cat needed cancer surgery and I had to take a loan for the $3,500 in medical expenses. Ever since then I have insured all my pets. Most years I have no claims, because they have been healthy. But some years I have used it. Recently my cat was diagnosed with hyperthyroidism. The medical bills climbed to over $1,500. I was able to give him the one-time radioisotope treatment that should last for the rest of his life, knowing that my ASPCA insurance would help with 80% of the expense. My cat was treated and is now back to his healthy rambunctious self. ASPCA insurance has always been there when needed and my pets get the medical treatment that they need. The folks at ASPCA are always helpful and have checked up on Charlie a number of times in the past few months. Claim are easy to file and I will continue to insure Charlie through ASPCA.

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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