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: Barbara

excellrnt service

Very pleased with the way our claim was handled. Was sent regular emails informing me of the progress of our claim, and when settled our check arrived promptly.
5

out of 5

POSTED: | BY: Vickie

Very efficient and highly professional

Have had pet insurance through ASPCA for 8 years or so and have had excellent communications no matter what the topic. All staff is courteous and happy to help.
5

out of 5

POSTED: | BY: Brendon

Quick, easy and friendly

Quick, easy, painless claim and paid out in less than 2 weeks
5

out of 5

POSTED: | BY: Donald Sawyer

It is good quality pet insurance

It is good quality pet insurance. My last pug, Winston, developed a malignant melanoma on his nose. He had wonderful care at the Mississippi State University School of Veterinary Medicine. My claims were paid promptly and without hassle once his medical records were submitted. Although Winston did not survive his cancer I now have another little pug, Hoover. I had no qualms about getting ASPCA pet insurance for him
5

out of 5

POSTED: | BY: Mike

Great Service

Everything went very seamlessly and easy to work with. Follow up was fantastic.

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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