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: Robin

ASPCA insurance has been nothing but great to me.

Sent my cat in for a cyst removal, sent the bill in to aspca. Then in around a week or so I received the check. I definitely recommend this insurance to anyone with a pet.
5

out of 5

POSTED: | BY: Bella

Great Pet Insurance

We purchased pet insurance after our puppy ate a towel and required surgery. We’ve used the insurance quite a bit over the early years and just recently to remove her infected anal glands. Every time we submit a claim it gets handled quickly and we’ve never had one issue with being compensated with the correct amount. Great insurance and I highly recommend.
5

out of 5

POSTED: | BY: Jason

Great protection for our hound

ASPCA is so easy to use and never haggles over money. There are no catches with reimbursement % based upon geography or other factors; they are true to what is advertised. Claims are easy to submit online or via the app with simple pictures of vet receipts. Review is quick and reimbursement is usually sent to my bank account within one day of claim processing. I can't recommend ASPCA Pet Insurance enough.
5

out of 5

POSTED: | BY: Chris

ASPCA Pet Health Insurance offers clear, easy-to-use insurance for your pet.

ASPCA proved invaluable when our lab suffered a dewclaw injury playing fetch. The injury resulted in several vet appointments and eventual surgery to remove the injured dewclaw. ASPCA was quick to process the claims we submitted and reliably approved all expenses we expected to be covered by our policy (there were some preventative care treatments mixed in, which we knew fell outside our policy). No haggling, no rejections - just quick, efficient claim review and approval. ASPCA also called to see how our dog was doing following our initial claim submission and again after the surgery. Would definitely recommend ASPCA to other pet owners looking for reliable, easy-to-understand pet insurance for their furry companion(s).
5

out of 5

POSTED: | BY: Carole

So thankful I have pet insurance!

My pup has made several visits to the vet that would have buried me in vet bills. I am so thankful I made the decision to purchase pet insurance. Well worth it! The insurance has more than paid for itself and I have the comfort of knowing that I won’t be financially devastated if a major even occurred with him. They are like children—need to take care of our fur babies—and part of that is to make sure we can always seek the medical care they need.

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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