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.
2

out of 5

POSTED: | BY: Jessica

Coverage.

I have been with them since I got my two pups that are now three. They have been great until I tried to change coverage at my yearly renewal. In order to change coverage within the company you have to cancel the current plan. So no pre exhausting conditions are covered on the new plan that the older out of date plan did cover. Their plans changed so much that when I went to look at the new plans I would have been saving over $100 but was not eligible if I wanted my pets history to carry over. They do not reward loyalty or offer current members new discounts. Customer service was trash. They just kept repeating themselves and refused to take my concerns to management.
5

out of 5

POSTED: | BY: Linda

Great coverage.

My car Ramses had to have her right eye removed due to an FLV infection. Surgery went fine. I felt confident submitting my claim. My monthly premium is so affordable from ASPCA, I can't believe pet owners pass on having coverage for their pets. It gives me piece of mind knowing my pet is covered. ASPCA team are quick to respond and everyone is kind and friendly. I'm glad they are there for me and my cat.
5

out of 5

POSTED: | BY: kate

I've been very happy with customer service and the claims submitting/payment by Pet Health.

I have had pet insurance through ASPCA Pet Health for 18 years now, 5 dogs have been insured. Since I am retired, anything concerning my fur babies is a budget item. Although some may consider it expensive, I feel it is worthwhile to pay the premiums, insuring my pets. An accident or illness can cost much more. I would hate to not treat one of my animals because I was worried about the cost.
5

out of 5

POSTED: | BY: Norman

Thankful fo ASCPCA!

Brought our new puppy home and debated about getting insurance or not-so glad we did! At 4-months, she started vomiting, wouldn’t eat and had to stay overnight under vet care with liver concerns. Happy to say she is fine and having insurance took a LOT of worry away while having treatment. ASCPA reimbursed us quickly-no hassle process. Thanks for being there for us during this stressful time!
5

out of 5

POSTED: | BY: Sean

Excellent

I have been a member for almost two years, and have had very good luck with every experience I’ve had with aspca so far. Highly recommend. Staff is polite and understanding and work with you to understand any issues you may encounter.
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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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