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: Bernadette

My dog is 6 years old labrador-beagle…

My dog is 6 years old labrador-beagle mix and I needed to take her to the vet to drain her hematoma. Unfortunately, it came back 2 weeks later and they advised to have an operation to prevent future complications. I can't say ASPCA is good and I can't say that ASPCA is bad. It's too premature for me to determine that but on 2 recent claims I submitted for Boogie (although it took a while for them to close the case because they needed to see her medical record), once it was completed, it took them about 2 weeks to put it on my account. As of now, I am a happy camper but only time will tell if they're going to be that lenient as she gets older.
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5

out of 5

POSTED: | BY: Jennifer P

Never an issue with ASPCA

Never an issue with ASPCA. Always there for me when I call. Great customer service. Claims are handled quickly. I would recommend them to anyone.
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5

out of 5

POSTED: | BY: Lynne Ann Shalata

ASPCA pet health insurance has been…

ASPCA pet health insurance has been awesome to say the least for us. Our Aussie Doggie is almost 2 years old and has had a few issues. ASPCA insurance was very good to us in helping pay his med bills as and when needed. Thank you for being so good! Would recommend to friends to use this Pet Health Insurance.
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5

out of 5

POSTED: | BY: Siobhan

Great coverage

My puppy had gastroenteritis. At less than 7 lbs she can dehydrate quickly so I had to take to a 24 hr ED. Having good insurance gives another layer of peace of mind.
5

out of 5

POSTED: | BY: Virginia

Great Pet Insurance Program

Very impressed with the insurance policy I have for my dog.
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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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