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.
4

out of 5

POSTED: | BY: Carmen

Would Recommend

I'm happy with this pet insurance. I have an 8 year old pit bull that we've had insured through ASPCA since he was a puppy. He never had any illness or accident so we went years paying the monthly premium without using the insurance so I considered it somewhat of a waste of money for several years. However, I'm glad I kept it because my dog had a tplo surgery with a hefty bill, among other procedures done in the past cpl years that I was paid out on and it helped tremendously. I do think it's a high monthly cost and it does go up as your dog gets older so I'm not sure if having it on him as a young dog was necessary but I would definitely recommend it to anyone considering it. That being said, if I get insurance for another pet, I will wait until they are at least 4 or 5 to start it.
5

out of 5

POSTED: | BY: Margaret Mollema

Best for my Dog

I wanted the best for my Roxie and I have it with ASPCA pet insurance.
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5

out of 5

POSTED: | BY: Jaime Jones

I would recommend this company to …

I would recommend this company to everyone. They are great people to work with and they process yoiur claims in a timely manner. They follow up with your pet to see how they are doing as well.
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5

out of 5

POSTED: | BY: Daniel Barnhart

The people are kind and caring

The people are kind and caring, little to no wait time to talk to a real person on the phone.
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5

out of 5

POSTED: | BY: Heather Parsons

Fast friendly service and follow up …

Fast friendly service and follow up phone call was great. Our pets mean so much to us. Cosmo was I’ll and had to go to vet twice as he has a respitory infection
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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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