ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,093

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: Debbie

When I called to cancel insurance for…

When I called to cancel insurance for two pets that had died within weeks of each other, the agent was very understanding and polite. She was very helpful, too. The whole process was easier that I had anticipated.
5

out of 5

POSTED: | BY: Debra

Diabetic Alert Dog - This excellent health coverage is a must!

I first purchased ASPCA Pet Health Insurance for my Diabetic Alert Dog, Molly. The insurance was literally a God send that paid for itself all. but one year of her life. The continuous care policy - which is now part of the regular policies allowed me to give my Molly the very best care even as she grew older and had major health issues. ASPCA insurance even allowed me to take my sweet Molly to the MU veterinary college for advanced treatment when she needed it. It was such a HUGE blessing to be able to focus on Molly and not how I was going to pay for her care. Sadly, my Molly passed in March of 2017. I recently was paired with a successor Diabetic Alert dog named BATMAN who, of course, is now insured with ASPCA Pet Health Insurance as well. Keep you the great work! Your service is allowing animals the care they deserve in a way that people can afford! Many, many thanks! Debe
5

out of 5

POSTED: | BY: Steve Reynolds

Good service; thanks!

Good service, helpful phone service, checks came quickly.
5

out of 5

POSTED: | BY: Janet

Wonderful coverage. Wonderful people

Aspca has always been there for Cassie. The coverage is prompt and comprehensive. The people who I deal with are courteous and friendly and easy to understand. I definitely recommend Aspca pet insurance.
5

out of 5

POSTED: | BY: Joyce

Great Pet Insurance for a Low Cost

This insurance is very reasonably priced, & covers everything most other pet insurances don't cover for the same price. Also, there's a discount for multiple cat households. In addition, the claim process is simple & fast.

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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