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: Lilie

Excellent experience, concerned, courteous and fast claim processing.

Our Ruby came to us at 3 1/2 she is a rescue from breeding for a puppy mill. She will be 12 this month. We had two claims and they were processed and paid expediently. We are on limited, fixed income and find that ASPCA offers the highest level and best coverage for our dog. The rate increases are appropriate to her health/age and are not oppressive to our finances. Their concern about Ruby has been consistent and genuine. The policy is clear and easily understood. ASPCA stands up for what they agree to in the insurance contract. ASPCA is available for assistance and questions. Thank you, ASPCA, for being what you say you are. Lilie Allen
5

out of 5

POSTED: | BY: Helen

I am a satisfied customer.

I've only been with ASPCA less than a year and filed a claim two months ago and am very pleased with their service.
5

out of 5

POSTED: | BY: Leslie (2 cats & 1 dog)

Excellent service

Excellent service! ALL claims processed quickly - very user and customer friendly online experience.
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5

out of 5

POSTED: | BY: Larry Buckner Jr

Good so far

Good so far no problems.
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5

out of 5

POSTED: | BY: Katy M.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is fantastic! After paying close to $700 in vet bills I was informed that pet insurance was an option that would drastically reduce my out of pocket payments. I make very reasonable monthly payments and don't have the stress associated with worrying that my kitty will need a visit to the vet and that will break the bank. I've also received several calls from representatives just checking in and asking how my kitty is doing and how their service is. As someone who works in a customer service-type role, this type of "check-in" is so crucial and much appreciated! I've definitely recommended ASPCA to multiple friends.
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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 Insurance detail
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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