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: Richard

Very pleased with ASPCA Pet Health Insurance

The people at ASPCA Pet Health Insurance were very helpful. I had a question regarding filling out the form for reimbursement of my cat and the lady not only answered my question but did it in friendly manner. I did not have to wait long for my reimbursement checks (2-3 weeks) and the reimbursement itself was 80% of the cost incurred from the vet bills. I then received a follow-up call from the insurance company by another friendly staff member who inquired if I was pleased with the service to which I certainly replied yes! I would definitely recommend the ASPCA Pet Health Insurance for all seeking a pet health insurance company.
5

out of 5

POSTED: | BY: David

Maisy teeth extraction

When the form was faxed from the Vinegar hill vet grp to the claims Dept, I got an email stating some items were missing. I brought the form back over to the vet and they resent the same form again then it was resolved.
4

out of 5

POSTED: | BY: Kristin

A little slow but gets the job done...

After I submitted my first claims ($1000 worth in the first 4 months of having the insurance) I started reading reviews so I got worried that I may not get paid. A lot of them said if they do pay you they will reduce the amount to something they think is reasonable. I kept calling and calling them because I was worried this would happen. It took a month but I was paid in full (at the 90% deductible rate on my contract). Overall, the experience made me add my new puppy to the same insurance as well and got a 10% discount by doing so. My 8 month old Shih Tzu was born with Kidney Disease which obviously no one knew... and now the pet insurance is paying for all of her tests and follow up visits.
5

out of 5

POSTED: | BY: Jon

Amazing service

Honestly a great and amazing program/insurance. Wouldn't have it any other way!
5

out of 5

POSTED: | BY: Rhonda

Outstanding service, They came through when I needed it.

I was watching a vet show on TV, "The Bionic Vet". It got me thinking that I should get pet insurance. It had been may year since I had owned a dog and I knew vet expenses had gone up considerably. I did my research and decided on the ASPCA insurance. I kid you not, in less than two months my dog torn his ACL and meniscus. If it weren't for the insurance I have I don't know what I would have done. I HIGHLY recommend the ASCAP insurance. Not only were they there for me but they called me during Dukes recovery process inquiring about how he was doing. A++++ service. Will never be without them.

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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