ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,131

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.
2

out of 5

POSTED: | BY: larry oudekerk

how many claims do you need

My dog went in for routine check up and found problems. sent in claim. had a return visit ,sent that in. When I checked on the claims (almost $1000),they said they had not received my claims. I then had my Vet send it in. Still no action. Went in for another visit and got a claims adjuster on phone, still had no claims. I let the vet. personal talk to him ,resent all claims(16-20 pages) took 10-15 mins to get on board with the claims sent in. Almost a month later my web page still has the same "note" that the claim foms/paper has not been sent. What?
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5

out of 5

POSTED: | BY: Kimberly Lake-morrison

So far everything has been amazing

So far everything has been amazing. The cost and the coverage is awesome. This definitely gave me some piece of mind to have colic surgery coverage on my older horse.
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4

out of 5

POSTED: | BY: Tricia Reyda

New experience with Pet insurance…

I am new to pet insurance and I have a new puppy. I admit I was a bit skeptical, however, I have founds ASPCA to be incredibly responsive and have been very satisfied with the service so far. I only wish my human insurance responded so quickly!
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5

out of 5

POSTED: | BY: Kathryn Straatmann

Simple and fast

Quick turn around for reimbursement without any issues.
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5

out of 5

POSTED: | BY: Terry

Surgery

Absolutely satisfied with you didn’t have to jump through hoops to get paid they actually care the whole process was a pleasure
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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 Insurance detail
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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