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.
4

out of 5

POSTED: | BY: David

ASPCA Pet Insurance helps me cover the risk of high vet bills

I have insured my Labrador Retriever with ASPCA Pet Health Insurance for more than ten years. Ever since he ate an entire banana (peel and all), I've known that you have to find some way to hedge against the risk of high veterinary bills. Paying a yearly premium to ASPCA Pet Health Insurance helps me to do just that. Some years we've more than made up for the premiums in terms of claims submitted. Other years we've had few bills to cover. Overall, though, the peace-of-mind that comes from knowing that our largest bills would be covered is well worth the price of coverage.
5

out of 5

POSTED: | BY: LINDA

Great Service

I have been using ASPCA for over 13 years for both of my dogs. They are great to work with. Easy to file claims and respond quickly. I would recommend them to anyone.
5

out of 5

POSTED: | BY: J

I love knowing my dog and wallet are in good hands

I'm running on a tight budget as a young adult fresh out of college. Knowing that I can get some money back for my rescue's health care and not have to live off of cereal and pb&j's makes me much more confident about getting fantastic care at the best vet available. My dog is my life so she deserves the best care possible.
5

out of 5

POSTED: | BY: Donna Hutton

There when you need them!

This company has helped me care for my various fur-persons (cats) for years. Giving me peace of mind in knowing they will be there if and when I need them.
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5

out of 5

POSTED: | BY: Barbara

Annual

By having this insurance I am able to take care of my cats the way it should be. My oldest cats has had a lot of medical issues and with this insurance I am able to take care of her. She is 16 years old and without the insurance; I would not be able to afford the expenses. Once the claim is placed about a week later the company checks to see how the pets are doing and if more help is needed.
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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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