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: Joanna Ramriez

Most honorable insurance company for pets!!!

I have always been super hesitant about pet insurance because you hear so much that it never helps when you really need it. But having ASPCA was the greatest thing we could have ever had. My 10 month old English’s bulldog puppy had to go in for an emergency prolapsed urethra surgery about a month ago. It was the most stressful week between having my puppy hospitalized for 3 days and just the thought of what the cost would be at the end of it all. ASPCA stood by what the promised at sugning up, and covered EXACTLY 90% of this surgery, an insurance that we had only had for no more than 6 months. I am FOREVER GRATEFUL with them!!
5

out of 5

POSTED: | BY: Marta S.

I recommend ASPCA pet insurance

I think the ASPCA pet insurance is very good. My claims are paid promptly and when I call ASPCA the representatives are very courteous. I would recommend the ASPCA pet insurance company to everyone who has a pet. Marta S.
5

out of 5

POSTED: | BY: Liza

I have had ASPCA Pet Health Insurance …

I have had ASPCA Pet Health Insurance since Lola was 8 weeks old. She is now 10 and fortunately I haven't had many problems with her. Recently she dislocated her hip and needed surgery which alone would've cost us a fortune out of pocket. We submitted all of her procedures in a timely manner. ASPCA reviewed all our claims, approved all of them and issued payment promptly. We also needed to call customer service at one point and had a great experience, very helpful. We have no complaints and I'm thankful I have my pet covered thru them as one does not realize how important that really is until you get hit with unexpected circumstances involving your pet that can really do damage on your wallet.
5

out of 5

POSTED: | BY: Chris

The staff and service leave you no doubt that you made the right choice.

I was unsure about getting pet insurance at all in the beginning. I did all the math and got two quotes from two different companies. Getting the insurance did make financial sense, especially with the peace of mind in case of an emergency. While the two quotes I got did not match up in terms of insurance options (copays, deductables, preventative, etc.), ASPCA seemed to be a better value overall. After signing up, I received a very friendly courtesy call asking if I had any questions and you could tell the person genuinely wanted to help. I also received a call after my first claim, making sure it went smoothly and if I needed anything. The care and concern of ASPCA I have experienced thus far is quite rare nowadays. They certainly have my support.
5

out of 5

POSTED: | BY: Katie McGrath

So far so good!

I got this insurance for my puppy. Honestly I haven't had to use it much but when I submitted claims for vaccinations there was no hassle and I received reimbursement quickly. I definitely feel peace of mind knowing I have this coverage for my baby.

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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