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: Christopher

Surprisingly easy to use

Our dog tore his ACL back in November 2018. He had TPLO surgery that December after consulting with the surgeon on the best option. I was worried how submitting the claims would be for all these appointments. I was surprised at how easy it was. I've heard horror stories of other insurance companies being difficult. ASPCA was not at all. I had all the invoices from the visits and uploaded them to the website easy enough. They took care of the rest. They did a really good job. The longest wait was because my vet was slow in responding to their request for some additional information. Not much they can do about that. I highly recommend them.
5

out of 5

POSTED: | BY: Kellee

I tell all my friends how great ASPCA is n they should use them😃

I everything I have submitted. They pay a large portion they truly care about their customers and their pets. I refer them all the time.
5

out of 5

POSTED: | BY: Jamie

Awesome

I have been VERY pleased with the insurance Fromm ASPCA!
5

out of 5

POSTED: | BY: Amara

Best pet insurance provider!

Submitting claims is easy, payment is received within a week or so after processing begins. Customer service is always top notch--I had to submit 3 claims for the same pet in as many weeks and a rep called me to follow up and find out if he was doing OK. WOW! It's so wonderful how much the organization cares about my babies. Also, the insurance covered about half the costs (each vet visit costed about $500, so I ultimately only paid about $750). All said and done, I don't regret spending one cent for the insurance! Totally worth it as well as for peace of mind.
5

out of 5

POSTED: | BY: Maggie

Nice people, great communication and easy to file a claim

When my cat was having some stomach problems and I knew I could count on getting reimbursed in a timely manner with little hassle from the great people at ASPCA health insurance. Today they called me to ask how my cat was doing, how the service had been and I added our new cat. I actually had just texted me friend who will be getting a dog soon to sign up with them. I feel really comfortable talking to people who I know care about their animals as much as I do. Shout out to Sandra and her Great Dane Glitter Girl!
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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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