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: Adam

Can you cover humans??

We enrolled our yellow lab Aiken when he was just a pup. We've had two scares in his life time; a spider and a snake bite. We were fortunate in that we were able to get the medical care we needed quickly afterhours. That comes at a hefty price though. We knew we would "figure it out" no matter the cost. ASPCA Pet Health Insurance were there for us. It claims process was extremely easy and the reimbursement was very fast. Aiken is 10 years old. Just one of these incident reimbursements paid for all the years of monthly premiums. The peace of mind in having insurance that works so well is just a bonus. We know have enrolled our new addition Clover; a black lab puppy and will enroll any pet we have in the future. We are so glad our vet recommended ASPCA Pet Health Insurance that initial puppy check up 10 years ago.
5

out of 5

POSTED: | BY: Ivan Aguilar

Great costumer service and rapid…

Great costumer service and rapid claims processing. I had Bishop insure and now added Gabby.
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4

out of 5

POSTED: | BY: Anonymous

Straightforward Coverage

Efficient, straightforward coverage and great customer service. Only notable thing is that you cannot insure a pet prior to it being eight weeks old and then must still wait the two week waiting period from that date. (we recently got an orphaned young kitten). They have provided excellent coverage for my dog this past year with all of his vet visits.
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5

out of 5

POSTED: | BY: John

Great pet insurance and great customer focus!

I have been a customer of the ASPCA pet insurance for a little less than a year and I have found this company to be very customer focused. They investigate and process claims in a timely manner. They have exhibited to me that they truly have a great compassion for pets.
5

out of 5

POSTED: | BY: Wendy

The ASCPA pet insurance has been so easy to use when making claims and the customer service has been excellent.

The ASCPA pet insurance has been so easy to use when making claims and the customer service has been excellent.
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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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