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: Mike

Our budget would have gone to the dogs

We vacillated before purchasing pet insurance for our cocker spaniel and our cat. The cat has enjoyed good health despite a heart murmur. However, the cocker has had a number of mishaps (injuries to both rear legs, and Cushing's disease) that have cost us over $10,000 at the vets' offices. Thank heaven we made the decision to purchase ASPCA coverage for both pets, as most of our outlays have been reimbursed. The online claims processes were a breeze and reimbursements were fair and faithful to the contract language. The only reason we didn't give the insurer a "10" was that a few of the items charged were deemed somewhat higher than usually charged in the community. So much for the cost of loving in the District of Columbia. We enthusiastically recommend ASPCA.
5

out of 5

POSTED: | BY: Mary

claims were handled promply

The ASPCA staff are always very helpful. The claims were paid as agreed and on time and the follow up call to see how Lilly was doing was very thoughtful.
5

out of 5

POSTED: | BY: Ellen

They care about my cat, Edmond

ASPCA Pet Insurance program has allowed me to provide more health care to my cat than I would have been able to afford without the insurance. Their online claim submittal process is quick and easy. I think that their claim reimbursement program is fair. I love the fact that they will call and/or send cards in the mail if they notice my cat has received several claims in a short period of time. You just don't get customer service like that anymore.
5

out of 5

POSTED: | BY: Alyssa

Food scoop

Cooper had eaten a food scooper and I was so happy I had pet insurance! He was able to have a full recovery and I was able to get 2/3 of the bill covered!
5

out of 5

POSTED: | BY: Ellen Montwori

ASPCA Pet Insurance has let me provide…

ASPCA Pet Insurance has let me provide more care and veterinary services to my cat than I would have been able to without the insurance. I feel that they process their claims in a timely manner and overall the claim reimbursement amounts are fair. I love that occasionally they send cards in the mail or will call to check to see how my cat is doing if they notice a frequent number of claims.

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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