ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,092

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: E.J.

ASPCA Made it possible for. e to provide top healthcare for my cat, without this insurance I would be in so much debt !

The reimbursement provided was given in a timely fashion for $50 a months its totally worth it because emergencies do happen ! Get the insurance for your pet ! My little buddy broke his tale and having ascpa insurance made it so easy and I’m left not in debt ! Thank you so much ASPCA INSURANCE !!!
5

out of 5

POSTED: | BY: Becky

I am glad my cat has her ASPCA insurance

I am so grateful that ASPCA offers my cat insurance with a reasonable rate. It is the greatest help for my family (me and my cat) to get through the difficult time when my cat suddenly got very sick. I was wondering how the reimbursement process goes when the first time I had to apply for a claim at ASPCA. The website is very helpful that explains every step to get an application to go through and the better thing is that there is a confirmation email to follow up every progress that makes me confident along with the claim procedure. Later I found out an even easier way to do the reimbursement that I can just post the claim request on the website and don't need to print any forms to fill out. It is easy and fast for me to get the reimbursement in a week. Therefore, it is a great help financially to make sure I have enough cash flow to deal with my cat's medicine bills. Luckily, my cat is getting better now. The vet says she is a new cat every time when I take her to recheck. I can't imagine how I can support my cat if I don't have ASPCA for her or if I couldn't get reimbursement on time... Now I tell all my friends to get ASPCA pet insurance. I am sure they appreciate it as I do!
5

out of 5

POSTED: | BY: Becky Li

ASPCA is a best investment I do for my…

ASPCA is a best investment I do for my cat! My cat got very sick after the New Year, and she had to be hospitalized for a day. The claim was easy and fast that allow me to have enough cash flow for her bills. The claim can be simply finished at website and the reimbursement would directly show up at my checking account. I like ASPCA and recommend it to everyone who has a pet. It will be a great to help with our pet(s) and help us making better decision - I am sure!
5

out of 5

POSTED: | BY: Jeanette

Excellent, claims paid quickly, and staff is very caring.

Excellent coverage and caring personnel, claims processed quickly.
5

out of 5

POSTED: | BY: Laura

Worth the money, quick to reimburse

Every time I have called to ask a question, the staff have been amazing. No long wait times to speak to a human. No excessive hoops to jump through to talk to someone. This is one of the best decisions I've ever made. Especially for a senior animal or very young animal. The only thing that would make this better (and I know it would be almost impossible to do) would be that you dont' have to pay it all up front and then get reimbursed. That's hard and vets are not as willing to give out prompt estimates of cost.

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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