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.
2

out of 5

POSTED: | BY: Julia

Lots of care, little follow up on claims

I got a very heartfelt, call when my cat passed away suddenly. This was very kind. Yet when I filed claims both online and on the phone, they went unaddressed for weeks. (In the meantime, ASPCA continued to send me marketing emails weekly about buying the insurance I already had.) In a follow up call, I was told they would be handled in the next 4 days. Three weeks later I called and learned they had stopped trying to get my vet to fax them the records they needed to process the claim. Overall, I had a very frustrating process added to the pain of my difficult, sudden loss. Everytime I had to call to follow up, it brought the pain back.
5

out of 5

POSTED: | BY: Lacey sierra

I’m so proud of the work that the ASPCA…

I’m so proud of the work that the ASPCA does. I have recommended it to many friends and they’ve all taking a vantage of the pet insurance and they all feel like I feel grateful to speak to someone that informs them, of the many important Insurance available to their pets. Sincerely, Mick and mamapaw
5

out of 5

POSTED: | BY: Brenda R

Very professional and compassionate…

Very professional and compassionate staff. I have been a client for a number of years but thankfully, had few occasions to contact ASPCA. When I did get in touch to let them know our dog had died they were so kind. When I called to get my new dog insured, again, so kind about the loss of our Buddy. The staff person was very helpful in ensuring I understood all of the options and even called me back afterwards to let me know of a slight change to the premium. I would recommend this organization to anyone!
5

out of 5

POSTED: | BY: Kirsten

ASPCA Really Came Through

When looking for pet insurance, I spent hours comparing different companies and what they offered. I was particularly cautious because I had a different insurance company for my first dog, Fiona, and the company found a loop-hole in order not to pay for any claims I made. I felt like I was just handing over $500 every year for no reason. ASPCA had a really comprehensive package, while more expensive, seem to cover all the needs my pets may need. Ten days after buying our insurance, my second dog Finn ate a soccer sock. He was in terrible shape and the drs didn't know if he would make it. We approved the emergency surgery to save his life, not knowing if we would have another bad experience with our pet insurance. ASPCA came through and covered exactly what they said they would cover. We would have found a way to pay for the bill regardless, Finn is a member of our family, but ASPCA saved us from that financial burden. I would highly recommend ASPCA to any pet owner!
5

out of 5

POSTED: | BY: Isabelle

Usefull and Helpfull

Great experience and great claim processing system

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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