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: Mark

Thank you ASPCA insurance!

My dog Bessie is a basset hound mix. She was vomiting and licking everything. Turns out she had swallowed a Christmas ornament metal hook. After several trips to the emergency vet for treatment for nausea and more X-rays. She ended up passing it after three or four weeks. ASAP health insurance pay 90% of the that bills. I received the checks within 2 weeks from the original date. Thank you.
5

out of 5

POSTED: | BY: Jason

I LOVE MY ASPCA PET INSURANCE

I am so happy with my coverage for Rita, my British Blue. Unfortunately she has a slight heart condition and teeth problems. Each time I have had to have procedures done on her, I have had peace of mind knowing that she is covered. ASPCA has gone above and beyond and even call to check up on Rita after her procedures.
5

out of 5

POSTED: | BY: carol

ASPCA is efficient reliable and client friendly

ASPCA is reliable and efficient. Highly Recommendable.
5

out of 5

POSTED: | BY: Matthew

Acquiring Pet Insurance is best thing i ever did as a pet owner.

We have been pet owners for about 18 years, our rescue kitties died of old age, we took a break from pet ownership for about 2 years and decided to adopt (2) kittens, brother and sister who were abandoned, I had heard about pet insurance and was encouraged to get it so I did, we hadn't had insurance with our previous pets because we simply didn't know about it. Within 2 months of ownership our girl kitten Arya developed a limp, turns out to be "Patella Luxation" fancy word for her kneecap is out of the socket and wont go back in, between diagnosis, surgical consult, and actual surgery to repair it, the cost was significant, over $3000. ASPCA insurance not only paid most of the costs associated with the claim, they actually called me to see how Arya was doing during her recovery. Hands down, getting Pet insurance with ASPCA was the smartest thing I have ever done as a pet owner. I highly recommend anyone who owns a pet do the same and ASPCA was a great choice for our family.
5

out of 5

POSTED: | BY: Melissa

So grateful to have you in my life!

I love my dog with all my heart! She is a very sensitive dog. And has been going through and catching all the things. Without you guys I would be at a loss. Thank you thank you thank you from the bottom of my heart🙏

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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