ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Gerri

ASPCA truly cares about the well being of my four-legged baby.

When we first got our dog, I wasn't sure whether to get pet insurance for him or not. ASPCA was recommended to us. Because of them, I don't ever hesitate to bring my dog to the vet. Also, when he was going through some medical issues, I was able to call them on the phone and they discussed with me what would be covered and what would not. More importantly, they discussed what would be in the best interest of my dog whether it would be covered or not. They have even called to check on him after receiving multiple claims for one incident. I would highly recommend them to anyone who is looking for pet insurance.
4

out of 5

POSTED: | BY: Patrick Schwab

They are great about covering expenses but

They are great about covering expenses, but you need to be very patience on reimbursements as it take a minimum of two weeks to process even with all the documentation.
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5

out of 5

POSTED: | BY: Margery Tabb

good help for costly care

This has been a good backup for expenses but ongoing fluid treatment for kidneys should continue on some level even without continuous care coverage. Even a quarter of what's charged would help.
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5

out of 5

POSTED: | BY: Katherine Coleman

Aspca Pet Insurance stood by us with…

Aspca Pet Insurance stood by us with our last dog through surgery and terminal illness years later. There was never a problem with getting benefit payments. I felt that they really cared which is a rarity in current times. Now we have a new puppy and have insured him with them, too. We hope they will not be needed for anything serious but know they will be there if we do.
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5

out of 5

POSTED: | BY: Barbara

Caring, helpful and prompt with your request

I have always had a good experience with ASPCA staff. They show their concern when your dealing with an ill animal,
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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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