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: G

Superior claim service and user friendly site.

My puppy Peppa had a severe urinary track infection that required a hospitalization for further testing. The hospital bill was quite large. I was able to submit the claim easily through the website and receive payment expeditiously. The site was easy to navigate and had enough information to keep me apprised of the status of my claim. The claim representatives were also very helpful and at all time displayed true concern for the well being of my puppy as well as a desire to have the claim resolved in a satisfactory manner.
5

out of 5

POSTED: | BY: Stuart

Dental, XRays, Ear Aches....Everything

Our dog Doc Jones is great....mostly. He's full of energy and love but for some reason on his regular Vet vist's there's always something that needs fixing. What we thought was just a ear ache turned out to be major dental damage. Due to a chew toy that he loves, Doc cracked his back molar and made several other teeth loose. Needless to say that was the most expensive chew toy he's ever had....The vet did a great job fixing him up, but it wasn't cheap. ASPCA took the claim, reviewed it promptly, and sent us back the refund all within a week. Doc has bounced back great and is getting used to life with no chew toys. ASPCA has saved us multiple times. I would whole heartily recommend them.
5

out of 5

POSTED: | BY: Abigail

Great Service!

Awesome people, great service and quick return on my claim!
5

out of 5

POSTED: | BY: Constance

Peace of mind for injuries and serious medical issues

We have had ASPCA insurance for Tanner since he came into our home at age 5 months. It would be more cost efficient to just open a savings account for pet illnesses and injuries, but I know how that goes.... something comes up and you go into the dog health savings account! So I think pet insurance is a good idea, and I'm VERY happy with ASPCA. You can choose from different coverage levels. Claim forms are available online and they "remember" your vet, your pet's name, etc., so it's VERY easy to submit a claim. And these are processed quickly. Tanner has a serious medical issue right now and the insurance coverage is a big help. Plus the people are friendly and helpful and I love the fact that they call us to check to see how our dogs are doing. We currently have three dogs insured with ASPCA, two goldens and one Australian cattle dog. It gives me peace of mind that I'll have help paying vet bills should the need arrives.
5

out of 5

POSTED: | BY: William

All claim transactions have been handled satisfactory.

Have never had pet insurance before this pet, did not know what to expect, but have been pleasantly surprised with the way we have been handled. Our claims have been simple to process and responded to professionally.

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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