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.
3

out of 5

POSTED: | BY: Kate S

Decent

I found this insurance expert since and with high deductibles. I never reached deductibles and had to pay out of pocket in addition to monthly payments. I was less than satisfied, however the company overall had good follow up and communication.
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5

out of 5

POSTED: | BY: Jeffrey and Carolyn Gonzalez

Insurance you can use

This is the easiest insurance I've ever used! It covers a percentage of routine exams, medication and diagnostics. As every pet owner knows these expenses add up quickly when you have multiple and/or older dogs. My vet submits the claims for me, which makes it even easier to use. The few times I've had to submit a claim myself (emergency vet), it was also a very simple process. You submit the claim, get an email confirming the receipt of your claim and also to let you know it's been approved. Check comes in the mail within 7-10 days. As my older dog, Maxi, needs more care, this has literally been a life-saver. Thank you, ASPCA Health Insurance!
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5

out of 5

POSTED: | BY: Sara

Love the coverage and customer service

New this year to the ASPCA insurance. I had another pet insurance but their customer service sucked. I asked a vet tech friend of mine and he recommend ASPCA. I contacted them, got insurance on my 15 year old dog. A couple months later I noticed a slight limp. Took her into the vet, found out she has arthritis and also to my surprise I found out she had cushings disease. :( ASPCA was very helpful during the process. Im giving them a nine only because it took them over a month to actually refund me my money. Other then that, its been a pleasure.
5

out of 5

POSTED: | BY: E

Affordable insurance, good coverage and quick claim processing

We have a senior basset hound, and regular vet visits are now a part of keeping him healthy. Our insurance with ASPCA means we never have to let concerns about cost keep us from taking Bo to the vet - which is a huge relief as more health concerns pop up as he ages. Best of all, claims are always processed quickly, and the coverage is always clearly explained. We did a lot of price comparisons when looking for pet insurance, and ASPCA definitely was among the best value for our money. Customer service is also top notch.
5

out of 5

POSTED: | BY: Tina

ASPCA A Cut Above the Rest

I have been extremely impressed with the coverage I selected. ASPCA is truly a cut above the rest when it comes to service and responsiveness when a claim has been submitted. Also, they care about your pet. Each time a claim has been submitted for Wizo it has been processed quickly and efficiently. Additionally, a representative will call and check on him to see how he's doing after a visit. The other good thing about the ASPCA pet insurance I was able to insure my two cats at a discounted rate, which was great. I highly recommend ASPCA pet insurance for anyone shopping around for pet insurance.
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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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