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: Laurie

Could not ask for more

I have had ASPCA pet insurance on my two dogs for ~5 years. Fortunately I have not had to use it until the last 6 months when one of my guys developed a skin irritation. Since that time, we have had umpteen visits to the vet and have tried many different treatment options including steroids, mite treatments, antibiotics, medicated washes etc My dog's condition has varied from terrible to manageable during this time but he has never been 'perfect'. However, despite the numerous visits, I have never had one issue with a claim and there has been no hint of the insurance not covering what I am entitled to under my policy. At the end of the day, you buy insurance in the hope you don't need it but also in the hope that, if you do need it, there is no haggling and no attempt by the insurer to wriggle out of paying. So far, ASPCA has been perfect - they have been supportive, sympathetic and have paid claims promptly and without any fuss. I cannot fault them in any way and would thoroughly recommend them .
5

out of 5

POSTED: | BY: Janette

I have 3 dogs and I find Aspca insurance is the best

I love the people that work for ASPCA they are very caring and concerned. Always there for you and your pets!
5

out of 5

POSTED: | BY: GJB

Easy Process

Completing the claim form online was very easy and the turnaround for receiving funds in my bank account was very quick. After this process I received a call from them asking how my pet was. Customer service is great!
5

out of 5

POSTED: | BY: Chris

Great customer service and quick turnaround

Great experience with the last two claims I had recently filed. Loved the quick turn around time and review process. I have and will continue to work with ASPCA.
5

out of 5

POSTED: | BY: Bonnie Rainbird

Extremely happy with my insurance plans …

Extremely happy with my insurance plans for all my fur babies .. very professional & the claims process is very easy & user friendly . Would recommend to anyone !!

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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