ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,144

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: Talbot

Wouldn't Want to Live Without It

After hearing horror stories about the expense of vet care (particularly due to injury or illness), we looked at buying insurance for our golden doodle. After researching options and hearing from other dog owners, we opted to go with ASPCA. We are so glad we made that decision since our dog has had to have several teeth extracted and has pulled tendons from overactive playing. The ASPCA has reviewed every claim quickly and I have always been pleased with how claims have been paid. The peace of mind and the support that ASPCA provides makes it easier to give our dog the care he needs and deserves.
5

out of 5

POSTED: | BY: Jean

Thank God I have ASPCA insurance

ASPCA pet insurance is easier than navigating my own insurance and the coverage is way better.
5

out of 5

POSTED: | BY: Antonia

Very pleased

We have been very pleased with the claim service and feel that the coverage is a good value for the cost expended.
5

out of 5

POSTED: | BY: Megan

We love ASPCA pet insurance!

The staff has been very helpful, it is very easy to submit claims and I love that they check in on your pet when they see that something has happened.
5

out of 5

POSTED: | BY: Robert

Very easy!

This pet insurance is not only affordable but the process is easy, and i am able to communicate with them when I need to!
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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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