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: Susy

The best decision ever made for my bulldog

My family has been a loyal member of ASPCA Pet Health Insurance for almost 10 years now and I can say it was the best decision I ever made for my bulldog. As a new dog mom you always want to ensure the best care for your new baby. After a few years and a healthy bulldog I called to see about cancelling my policy. The agent walked me through my concerns, listened to me ration if it was worth the investment etc. They were so genuine in caring for the well being of my pet in the future, I decided to not cancel. It was the best partnership decision I have ever made. Sadly just a couple years later my bully had some medical concerns and ASPCA Pet Health Insurance was with us every step of the way. They were fair in the reimbursements, followed up with any questions I had and were always available. I can honestly say I have the peace of mind of taking my bully to the vet knowing she will receive the care she needs without mommy going into bankruptcy. I believe in the company so much, we just got a new bully member to the family and we have just signed her up as well. Thank you ASPCA for being a company which backs up their promise of service and quality. As long as I have fur babies, you will have a customer in us. Best, Susy, Shelby and Eleanor
5

out of 5

POSTED: | BY: Ashley

ASPCA and my little dog, Clay

A friend recommended ASPCA insurance after her dog was diagnosed with cancer. I finally signed up for insurance after we suspected our dogs got into rat poison. We spent over $1000 at UC Davis. After that day, I promised myself I would never be without animal insurance for as long as I had a pet. Fast forward to October of last year, we observed that my dog wasn't feeling good. Just as luck would have it, his symptoms became more pronounced after hours. We took him to the emergency vet and learned that he was diabetic. He had to stay overnight for aggressive treatments and observation. That visit cost me $1,1820. Believe it or not, I had forgotten that my dog even had insurance. A month later, I remembered that my dog has insurance and I submitted the claim 11-30-2017. ASPCA reimbursed me for the amount of $954.42. The money was in my account on 12/20/17! I cannot thank ASPCA enough! I have been recommending them to everyone that I know that has pets!
5

out of 5

POSTED: | BY: Heather

Easy claims process

Claims process was simple and reimbursement was timely. The direct deposit feature is very convenient.
5

out of 5

POSTED: | BY: Erin

Great Coverage & Really Simple Claims Process

Before I got my 8 week old Great Dane puppy, a friend with a Great Dane suggested I get pet insurance, and full coverage for at least the first year. I'm so glad I did, because at five months old, she was diagnosed with four major heart problems requiring A LOT of medications and frequent visits to her regular vet and a veterinary cardiologist. I chose ASPCA after comparing it with a few other top brands. ASPCA seemed to provide the most in-depth coverage for the rates. In six months, ASPCA insurance has paid out thousands of dollars to cover expensive procedures and medications. The online/app claims process is super easy, and the one time I did have a question, the phone support was great.
5

out of 5

POSTED: | BY: Grace

Every Pet owner Should Have ASPCA Pet Insurance

ASPCA has helped us out with large and small medical issues. We received great coverage for Nelly's epilepsy, from the resulting hospitalization, to the monthly prescriptions. The claims process is simple through the ASPCA app. We are able to file the claim before leaving the vet's office. I tell every new pet owner I know to contract with ASPCA. You'll never know how much you need it until you need it.

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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