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: N

Best decision I’ve made

My Yorkiepoo has been to the vet a lot! Swallowed a lego, baby teeth wouldn’t fall out, excessive vomiting...all covered! Then, he developed a luxating patella after a fall and the procedure was $1500. I was told he could “live” with it or have surgery. I wanted my playful dog back so opted for the surgery, not knowing how much or if procedure was covered. Imagine my shock when I was notified my claim was complete and I was getting 90% covered! It is very easy to submit a claim through the app and the processing time has never been more than a month. It has paid for itself and I will definitely keep renewing!
5

out of 5

POSTED: | BY: Giovanna

Caring

Quick response time on claims. Insurance representatives always call to check in on your family pet. Helpful and polite.
5

out of 5

POSTED: | BY: Michele

Great

I have been with this insurance company for many years. I had 2 toy poodles that passed away a few years ago, now I have a toy yorkie. I have to say, I have never had a problem with this insurance company. I am very happy and have recommended them to my friends.
5

out of 5

POSTED: | BY: Mary

Your Compassion and assistance during a stressful time

My rescue golden retriever needs serious surgery . A mass in her intestines must be removed before it grows. Also found was spot on her spleen. This is extremely serious in golden's and must be also taken out immediately.. I'm so distraught. ASPCA has been right next to me...paying the claims for xrays, radiologist, the initial trip to our weekend emergency clinic and now gave me estimate for the surgery which is in one week's time. I had ASPCA previously for my dog,and at that time they were equally as helpful, professional....no arguing about coverage. Therefore, I reached out to them again. I highly recommend ASPCA to all pet owners with out any reserve.
5

out of 5

POSTED: | BY: Jessica

Great Customer Service

We have been with ASPCA Pet Health Insurance for over a year and they really are a great company to work with. Any time I have a question about a claim they are always friendly and helpful. I really like how they ask about Leo, our Goldendoodle, while we are on the phone. Little touches like that make a big difference in customer service!
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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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