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: Maria M.

Very pleased

I have an English bulldog puppy who has had quite a bit of issues the last few months. Between getting into poison, allergies, ear infections, etc....We have been regulars at the vet’s office. Lol. Every time I submitted a claim (online) the process was easy and I got my money reimbursed quickly. I think the longest I waited was maybe a week. Also, when I call them for questions on my claim, everyone I have spoken to has been so kind and helpful. I’m extremely happy I chose this pet insurance company. I have nothing but great things to say!
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5

out of 5

POSTED: | BY: Nancy Blann

The rep who helped me was very nice and…

The rep who helped me was very nice and professional. She gave me options for different plans and costs and explained details for each option. I'm happy to have my policy for my new kitten with this group.
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5

out of 5

POSTED: | BY: Patricia McNamee

Professional and Caring

I have been impressed with the manner in which all ASPCA Pet Insurance Reps have handled my questions and concerns. These conversations have been both informative and compassionate. What a wonderful combination of skills!
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5

out of 5

POSTED: | BY: David Heifetz

excellent service and care

excellent service and care
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5

out of 5

POSTED: | BY: Marlene

Better than my own health insurance!

Highly recommended... customer service is outstanding and claim processing is very fast.
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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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