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: Jennifer

Really worthwhile coverage with a quick simple claim system

I am SO happy I chose to take insurance coverage for our adopted two little girls, we certainly did not expect to need to use it as quickly as we did, but it was very reassuring that we could focus on getting them back to full health and the cost would be for the most part taken care of. I was also super impressed how quick and easy the claim system was, I simply paid the fees due to the vet or facility of my own choice, then returned home and scanned in the receipts as I went, usually on the same day so the info was fresh in my mind and filled out some basic info, all online. A really well thought out and executed system and I am very grateful that so far all the tests and treatments have been covered, even the prescription food diet that my two cats are now on for a trial, which so far seems to have resolved their symptoms, which is so wonderful to see them back to health. Also worth mentioning that the few times I've had need to call up, the call handlers have been extremely nice, polite, helpful, knowledgeable and sweetly asked after my cats health. Really made a difference to speak to someone who immediately understood my case and could answer any question I had, rather than being transferred around the houses. I would highly recommend this insurance from first day you have your new pet for peace of mind and to limit cost of unexpected illness or injury. Thank you!
4

out of 5

POSTED: | BY: Nancy

I have used ASPCA insurance for 10 yrs.

When i send all of the bills in for a problem/treatment at one time, i have rec'd a quick response. They send me an email verifying receipt of my paperwork and it doesn't take long before a check arrives in the mail. ASPCA premium prices, for similar services, are comparable to other companies, better than some. I have been using the company for 10 years for 3 different pets.
5

out of 5

POSTED: | BY: Tyler

If you adopt a dog, get insurance

I got insurance for my dog, Darwin, when he was 3 but didn’t think I’d need it for at least a few years. I am so glad I got the insurance when I did because, one day out of nowhere, he woke up paralyzed. APSCA covered exactly what they claimed to, and were extremely supportive throughout the whole process. I only gave them 9/10 because it did take several weeks to be reimbursed, but I think this is common across all pet insurance companies. I highly recommend getting ASPCA insurance for all dog owners - you never know when you’ll need it, but when you do, you’ll be glad your fur baby is covered.
5

out of 5

POSTED: | BY: Andrea

Extremely impressed with ASPCA Pet Insurance

ASPCA Pet Insurance has treated our family so well over the years we have had our dog. They truly care about the pets that they cover and will call just to check in on them. Pet expenses can add up quickly in times of illness or an accident and ASPCA is dependable and timely in responding to claims. They are fair and make the process very easy to complete.
5

out of 5

POSTED: | BY: Barbara Cook

Extremely satisfied

I have submitted 2 claims so far. Both times the claims were processed in a timely fashion with a favorable outcome. Any questions or concerns I have needed to address with a service representative have been answered with courtesy and respect. I am very pleased with this company, I feel the cost is reasonable and the coverage is excellent. I would recommend this company.

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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