ASPCA | Pet Insurance Review

4.4

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: 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.
4

out of 5

POSTED: | BY: Arlene Dearing

I've had no issues with this pet …

I've had no issues with this pet insurance. I just wish there wasn't a deductible. Seems restrictive. I don't get full reimbursements. I just cancelled my cat's policy as I hardly have claims for her visits. I have my dog on the policy. Used the claim process for him. But, the flea and heart worm preventatives, the costs, you aren't 100% reimbursed which I feel you should be. Vaccinations, cost of office visits, prescriptions and labs etc...
5

out of 5

POSTED: | BY: Lauren Mahon

Kody's Insurance

the claim experience was incredibly easy to figure out and i was happy about the amount i received back. your pet health insurance allowed me to take care of my dog without worrying about how to pay for his medical bills. Thank you!

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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