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: Barbara Wadach

I was reluctant to purchase Health …

I was reluctant to purchase Health Insurance for my dog. The thought of shopping for insurance gave me anxiety ! I asked my vet's office for recommendations , as they are the ones that often deal with the Insurance Company, as far as dog's records, history, etc . They said that lots of people use ASPCA. I called and spoke with a representative. The rest was easy ! They were very helpful and answered all of my questions as far as choosing the right plan for me ! When I call with a question ... I always speak directly with a rep . So far, it's worked out great for me !!
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5

out of 5

POSTED: | BY: colleen

Never thought I would need insurance, but glad I had it.

I never thought i would need this insurance, however I was very thankful to have it when my kitty started getting weaker and weaker. After many tests and many appts. with specialists, I filled out the paperwork and sent it all in and after they confirmed all info, I was sent my reimbursement checks, pretty much hassle free.
5

out of 5

POSTED: | BY: Kathy

ASPCA has been very caring and fast in reviewing and paying my claim.

Excellent and caring for all of my pets, such a relief to know they are taken care of.
5

out of 5

POSTED: | BY: Naomi

Peace of Mind

I appreciate that Chloe is covered for injury and most health issues. I don't have to worry about a major unplanned expense to keep her healthy and happy.
5

out of 5

POSTED: | BY: Barb

Easy!

Online claim process was super easy. The claim was processed quickly and the information provided was easy to understand. I used to be a skeptic due years ago experiences with other insurances - but ASPCA was fast and easy, so I am a believer!
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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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