ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,145

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: Dolores Engel

Excellent health insurance for my …

Excellent health insurance for my little Lulu. As a former client insuring my yorkie I went back to ASPCA for my little Teddy Bear.
4

out of 5

POSTED: | BY: Susan

Claim processing is excellent

I will never be without pet health insurance again. Claim processing is excellent, advisors are knowledgeable, and claims are paid timely. My only complaint is that upon annual renewal, any medical conditions then under treatment are considered pre-existing conditions, subject to an additional limited continuation rider. I realize this is for rate purposes but I don’t believe it is reasonable, thus my overall score of 8 rather than 10.
5

out of 5

POSTED: | BY: Ruth

Painless

Very very simple to file a claim. Took around 12 days to be paid. Would recommend this insurance to all my clients. Managing a vet hospital you see the devastation at not having enough funds to pay to care for your pet. ASPCA insurance is the answer.
5

out of 5

POSTED: | BY: Mark

Complete peace of mind.

My Masha will eat any kind of fabric if left untended. This has led to several surgeries and without this critical insurance she would have to have been put down due to the expense. ASPCA insurance is an actual lifesaver! I highly recommend having an insurance policy that is fair in their premiums and quick to reimburse most of your out of pocket expenses in the case of an accident or injury.
5

out of 5

POSTED: | BY: Bryan

Saved me thousands of dollars with no hassle

I purchased ASPCA insurance after learning that my three-legged dog had a knee issue. Naturally, this was a pre-existing condition and I paid for her surgery out of pocket. However, my poor pup developed an unrelated neurological issue while both her knee and my budget were still recovering. My budget was already strained, and I am not sure what I would have done if I didn't have ASPCA. They approved the claim quickly after consulting with my vets. This saved me nearly $4,000 after an already costly surgery. The gentleman who called me to follow up on my claim and ask how my pet was doing seemed genuinely concerned. I know he was just following some company policy or schedule, but I still appreciate those nice touches.

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.

Get a quote today

Leave a review