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: Vivien

An absolute blessing to have found ASPCA pet insurance

I had always known I should have pet insurance. The reality of the cost of veterinary services needs to be recognized before you get a pet, and as with people, you do need insurance. ASPCA has been prompt in responding to emails and requests. When my credit card lapsed and the insurance did too without me realising, I immediately contacted ASPCA, and they immediately re-instated, understanding how easily this can happen. All insurance claimed was unforeseeable - attack from coyotes, broken teeth - you never know. I recommend ASPCA pet insurance; and, I hope in turn that this in some way helps all the amazing rescues.
5

out of 5

POSTED: | BY: Mike

ASPCA, a great decision.

I cannot say enough good things about the ASPCA Heath Insurance... it was a great decision to select this plan for Bailey, my beagle. She has had only a couple of incidents outside of Wellness appointments and each time ASPCA handled it speedily and best of all followed up with a call to ask her condition. Processing claims is but a small part of what you are getting from ASPCA. It is the human touch that matters greatly and ASPCA delivers!
5

out of 5

POSTED: | BY: Jean

Thankful I have ASPCA Insurance

I've had ASPCA pet insurance for my dog since she was a puppy. I've had to use it a few times over the years for my dog for accident and illness. ASPCA has always been great with answering any of my questions and helping me with the submission of the claims. The claims were always processed in a timely manner. Unfortunately my 5 year old husky/mix was diagnosed late last year with lymphoma. We decided to do whatever we could to get a few extra quality months with her. She had chemo and we were very thankful that we had ASPCA insurance which helped in the cost of her cancer care. Unfortunately our Jada lost her battle with cancer in April. It took me awhile to submit her bills because it was too painful to do for me for a long while after she died. Luckily ASPCA gives ample time to submit the claims. Every person I spoke to with ASPCA was very helpful and all listened and were sympathetic when my Jada died. I have two dogs that are healthy and I have ASPCA insurance for them as well. I wouldn't think of not having this insurance for any of my pets. Thank you ASPCA?
5

out of 5

POSTED: | BY: Billie

Processed claim quickly and showed so much concern for Trixi

Very efficient and caring
5

out of 5

POSTED: | BY: Hannah

Purrfect Timing

When my Lucky had issues with her bladder, I was naturally panicked - but not about the bill! After taking her to see the vet, I turned in my forms and received a prompt response explaining my claim and my coverage, and received the distribution back for my claim almost before Lucky was completely healed. That's pretty great 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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