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: Andrew

Changed our Pet's life

We purchased the pet insurance for our dog and cat. After a few months, the dog had a major knee injury and other problems that would require surgery. This insurance was a game-changer in the decision making process since we wouldn't have to shoulder the financial burden of this surgery, and gave us the best options to treat our dog. We are very happy with the Insurance. The first claims took a little time to get all the paperwork and communication ironed out between the insurance and our vet, but once that was taken care of, everything has been smooth sailing since. I highly recommend it. Its great for those Odd, one-off vet visits for the random things that can happen, but also has played a huge role in helping our dog with these big issues.
4

out of 5

POSTED: | BY: Cheryl

The coverage is ok, customer service is great

The rates are reasonable. I have never had a problem with the customer service. They are very helpful and friendly. Claims are processed in a very reasonable time. I am a bit disappointed on the amount of return on my claims that have been submitted.
5

out of 5

POSTED: | BY: Maritza

Peace of mind

I have ASPCA insurance for my dog. I could always count on them when it comes to being able to get care for my dog King when he needs it. I have recommended this pet insurance to my sister for her dog Heaven now Heaven is insured. Customer service is great, keep up the good work. Thank you
5

out of 5

POSTED: | BY: Dolores

Great company

Great selection of policies. Prompt handling of claims.
5

out of 5

POSTED: | BY: Jerry

Best Pet insurance ever

This is the best pet insurance ever. The representatives call to make sure that our Husky is doing fine or what they needs to do more to secure his well being and recovery. They always make sure that Starkey is recognised. Thanks for everything, Jerry M.

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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