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: Kelly

Great Experience

The entire process was so easy and flawless! From understanding the service, to placing the claim, until the end I was kept in the loop and knew what was going on with the claim. They made it easy so I could worry about other things and not have to worry about checking on the claim.
5

out of 5

POSTED: | BY: Esmeralda

Made my loss a little bit easier

Our family recently lost our furry girl Bella. I had to contact the insurance to cancel the policy and their response was absolutely amazing and appreciated beyond their knowledge. The representative that handled my call was compassionate and caring. And the follow-up I received from her manager made my heart melt. Thank you ASPCA for making this loss easier. I may no longer be a member of the insurance (at this moment) but you will continue to receive my support through donations.
5

out of 5

POSTED: | BY: Carrie Gadek

Nothing but positive experiences with …

Nothing but positive experiences with ASPCA. My claim have been paid in a timely manner. Great customer service.
5

out of 5

POSTED: | BY: CRYSTAL

Excellent Coverage for the Unexpected

My female bullmastiff kept getting UTIs. The vet said that she had a recessed vulva and that could be the problem and a surgery could be done to correct the problem. She said most insurances do not cover it because the surgery does not work all the time. The vet opted for other methods first. After months of antibiotics nothing was working. We tried cranberry supplements, wiping after bathroom uses, apple cider vinegar, and every other method we read online and nothing worked. At almost $300 a pop for every UTI treatment, it was becoming too much financially and seeing my pup in discomfort prompted me to go ahead with the surgery covered or not. Surprisingly ASPCA covered a big portion of the surgery and ever since she has had the surgery, not a single UTI has occurred. Thankful for such great coverage and customer service
5

out of 5

POSTED: | BY: Grace Paik

Appreciate the follow up calls and ease …

Appreciate the follow up calls and ease of service. My dog has an extremely sensitive stomach so it's very reassuring that I have insurance should any medical procedures need to be done. Total game changer!

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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