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: Maureen

Satisfied customer!

This is the second claim I have submitted to ASPCA Insurance...I am pleased with the quick processing and reimbursement of the claim. I like the fact that I can have my reimbursement direct deposited in my checking account..I have researched many many pet insurance companies and although the deductible is a bit higher than what I wanted to pay, I am satisfied with the 90% return on the balance.
4

out of 5

POSTED: | BY: Jordan

Caring and prompt with claims

ASPCA pet insurance is very reliable. They always call to see how my dog Shayne is going after she has been sick. They are very prompt with claim processing and payment. It is very easy to submit a claim.
5

out of 5

POSTED: | BY: Gary

Glad we went with ASPCA

After debating as to get pet insurance or not we went with ASPCA after reading brochure from our local vet. Our puppy injured his leg a short time later and we have had numerous claims. ASPCA has been very prompt and efficient about taking care of our claims. I plan on staying with ASPCA.
5

out of 5

POSTED: | BY: constance

So happy we insured

We have had dogs for many years. Our last two dogs had many medical issues throughout their lives and we spent thousands of dollars. We always questioned if we should have gotten insurance earlier. When we got River as a puppy, we decided to measure her claims against our other dogs who was a little older but hadn't gotten insurance. Within her first year, River was limping for no reason. She had had a clean exam when we got her because she was a rescue with no papers. We took her to a vet to have her hips examined to see why she limped all of a sudden. We were devastated to learn that she had hip issues and needed a new hip. She was only 1 years old and very active. Thank goodness we had insurance. We were able to use the best doctors available and ASPCA was incredible. They covered her claim just as promised in the policy. It was easy to file, they followed up and paid in an efficient manner. Everyone I have spoken to on the phone has been courteous and helpful. If only human health insurance worked this way. River is back to ball chasing and no more limps.
5

out of 5

POSTED: | BY: Trudy

Very pleased with aspca health insurance for my dog.

Quick to take care of my claim. All communications with them are courteous and answer all my questions. They call to make sure everything is resolved to my satisfaction.

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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