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: Michelle

Don't go another day without it (really, go sign up now)!

When our little lady, Millie, was diagnosed with a mast cell tumor back in April, we were thrown into a cycle of what felt like endless appointments and surgeries and procedures. It was an incredibly difficult time with much to worry about: but the one thing we never thought twice about was vet bills, thanks to ASPCA Insurance. The process for submitting a claim couldn't be easier, the reimbursement couldn't be faster, and the service couldn't be more spectacular (after each claim, the folks at ASPCA call to see how Millie is doing). We are happy to report that Millie is currently cancer free and on the mend, thanks to the topnotch care we were able to afford because of ASPCA. To all pet owners out there: get ASPCA. Fingers crossed your beautiful animal never gets sick, but if they do: you will be as grateful as I am for this spectacular coverage and service.
5

out of 5

POSTED: | BY: Lou

Very friendly and helpful staff.

Very friendly and helpful staff.
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5

out of 5

POSTED: | BY: Sarah

Exceptional Customer Service

I have been very impressed with the customer service provided by ASPCA pet insurance. I have used other per insurance companies and claim processing and turnaround is comparable but since signing up to the most recent follow up call on a claim that I received just today, I have thoroughly enjoyed all of my contact with customer service representatives of this company. They make you feel like ASPCA genuinely cares about your pet and that you're in the know about your pet's claims progress. The member center is easy to navigate and to access as well so you are never left in the dark on where a claim is at along the way, what you're getting reimbursed for and how much you're being reimbursed for. That is very important when dealing with an insurance company that is deducting payments from you monthly: seeing what you're actually paying for. The explanation of benefits is also very well detailed so it really leaves you with no questions to ask. But if you had one, a representative would be able to answer it no problem.
5

out of 5

POSTED: | BY: Betty Dooley

The insurance is alifesaver Thanks Betty

The insurance is alifesaver Thanks Betty
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5

out of 5

POSTED: | BY: Kim

Outstanding coverage and customer service

Couldn’t have selected a better company and plan! Top notch in ever way!
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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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