ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,091

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: Ralph

Pleased with efficiency and speed of handling a claim

The coverage is good and claims are handled quickly and efficiently. I find the premium to be reasonable and feel this is a necessary expense for people who love their "family members". I would use ASPCA pet insurance for any animal I may have in the future.
5

out of 5

POSTED: | BY: Andrew

Quick reimbursement and great customer service

I was skeptical about purchasing health insurance because I heard some horror stories from friends. ASPCA has been great, though. I was able to customize a plan and structure payments to meet my needs. Unfortunately, I had to make a few claims this year, but ASPCA has been great at providing fast and accurate reimbursements. I've very happy that I purchased the insurance.
5

out of 5

POSTED: | BY: Elaine Ahlberg

ASCPA stands behind you when your pet is sick

My dog Cue has been going thru a difficult year: fevers that did not respond to antibiotics, cancer, recovery, then more difficulties. It's been months of tests, surgery, a time of recovery and illness again. Besides the heartbreak of seeing your pet ill and the vets having difficulty finding the cause, there is the added issue of the financial cost. ASPCA Pet Health Insurance helped every step of the way, with quick response to claims, including checks to help alleviate the costs. They called to check on how Cue and I were doing. I felt like I had a full support team behind me and was glad that I had taken out pet insurance with ASCPA.
5

out of 5

POSTED: | BY: Donna

Excellent

We have been with this insurance company for many years. Nothing but excellent return when we have submitted our claims.
5

out of 5

POSTED: | BY: Stephanie

Compassionate company that really cares

My husband and I have nothing but great things to say about ASPCA insurance. We have had this insurance for our cats since we adopted two of our cats back in 2006. One of our 4 cats unexpectedly passed away on October 10. I had to make the difficult call to inquire about cremation services and cancelling our Gabi from our account and the customer service person showed extreme compassion as I tried to explain everything in between breaking down. Within a few days, we received a call from one of the agents giving his condolences. It was the most heartfelt messages and I even archived it on my phone. We also received a sympathy card in the mail shortly thereafter, which is now on the shelf with our Gabi's ashes. We also received another call from our agent a few days ago following up on one of our other cats who had to see the vet the day that Gabi passed away. He again sounded so compassionate asking about how our Jitz is doing. He also followed that by saying he hoped our other two cats were doing well also. When I called back, we spoke and the rep asked how happy we are with ASPCA. I told him that the night before my husband and I were discussing how receiving these types of follow-up calls make you want to stay with this insurance and we wish human insurance companies treated people in the same manner. We are extremely happy with ASPCA insurance!

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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