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: MegsNMaebhs

Exactly What I Signed up for!

My pup had her second TPLO (a major knee surgery, and yes, a genetic issue) about a year a few months after the first surgery. ASPCA covered 90% of all fees less the $250 deductible! Not only that but I filed the claim on a Monday and received the money in my account that Friday! It was quick, easy and the service I signed up to a "T"! I have recommended them to multiple people I know with fur babies and will continue to do so! After reading a ton of reviews (after I had already carried insurance with ASPCA for over a year) I was really nervous I would not get to utilize the insurance. Many reviews make the process sound difficult or like they actually wouldn't cover much/will fight you regardless as to the plan. I honestly think people either have the wrong plan for what they are attempting to cover, did not read the fine print regarding covering certain conditions in certain time frames (my dog had to go 6 months without incident from the first surgery to be covered for the second) or simply did not file their claim with all the necessary documents (ie: a year of medical records, itemized bills, etc...) in a timely enough manner. This stuff is all lain out on the website so I'm not sure how someone could miss it but read it carefully!!! This process was easy, quick and efficient. It took a TON of stress off of me to know I wasn't spending $4000 for the second time in less than 2 years on a surgery. Highly recommend!
5

out of 5

POSTED: | BY: Becky

They are very caring and very friendly!

I'm glad to have this insurance for my pet they are very helpful if I need anything and they even call back to check on your pet, I highly recommend this company for pet insurance.
5

out of 5

POSTED: | BY: Michelle

Finally, a peace of mind!

From now on I will get pet insurance for every dog I have from the moment I get them! It’s such a peace of mind. I would have saved so much money if I put them on pet insurnace earlier. This was the best decision I ever made. Don’t wait! Get your fur baby covered today!! You’ll be saving money before you know it.
5

out of 5

POSTED: | BY: Christine Hess

Helpful and kind

Helpful and kind - thank you!
5

out of 5

POSTED: | BY: Paola

Awsome Service Fast Easy and caring the company with a heart !

We don't like it when we have to use the insurance, because that means our little men are sick :( But when they are we are so blessed to have an insurance company that cares and turns claims around so quickly . Thank God for all you guys do . Thank you for being the company with a heart.

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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