ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,144

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.
4

out of 5

POSTED: | BY: Tamara

ASPCA Provides Quick, Friendly Service

ASPCA insurance has done a great job providing quick, friendly service when we have had a claim. I have rescued three German Shepherds, and while I hope I never need insurance, I'm glad I have it.
5

out of 5

POSTED: | BY: Tina

Great Ins co. I am very pleased with the way they handle claims. well worth every penny

Great company. very happy with the way they handled my claim. worth every dollar
5

out of 5

POSTED: | BY: Phil

Reliable and fast process, caring staff

We have the ASPCA policy since our dog was 2 months old, the premium is not cheap but it provides peace of mind. For the past 6 years (time flies!) we submitted a few claims, the claim process is easy and the process is fast, ASPCA staff called every time and ask how the dog was doing, you do feel that they care about your pet and treat client with care and passion.
5

out of 5

POSTED: | BY: Chantelle

Making decisions

We recently had a bout of sick tummy with our cat Loki. He woke up vomiting and seemed okay. He ate through out the day but would vomit soon after. We decided it was time for an emergency visit, which can be quite costly. Thankfully we had ASPCA Pet Health insurance and we didnt have to stress over making decisions on his care, we told the doctors, do everything you need to do, you let us know if you need permission to do more. Without the insurance that 4 hr wait in the waiting room would have been filled with worry over how we would pay his bills, what we would need to sacrifice to make our baby okay. Instead we were able to focus on hoping and praying for his good health, which is all a pet parent in that situation should have to worry about. Thank you ASPCA Pet Insurance for making an awful stressful time a peace of mind in finances. We appreciate all you do. They have even called periodically through the claim and afterwards to check on Loki, as well as our other cat Princess. Thanks for making us feel like family 😻💜
5

out of 5

POSTED: | BY: Renee Williams

This is my second dog I've had with…

This is my second dog I've had with this insurance. I wouldn't use anybody else. They pay in a reasonable amount of time and they are very fair. And the nicest people you will ever meet!

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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