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: Nives

The website interface is very pleasant

The website interface is very pleasant. Everything is simple and easy to navigate. Submitting a claim is very easy and straight forward. Viewing past claims as well as my current policy is also easy to find and navigate through. When I first signed up to begin my policy I found it wasn't difficult and I appreciated that I was able to customize the type of policy that worked for me. After submitting a claim, it is done fairly fast. I also appreciate the direct deposit feature. Overall a pleasant experience all around.
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5

out of 5

POSTED: | BY: Kim F

We are beyond thankful!

We are beyond thankful to have ASPCA at insurance! Our dog injured her elbow and needed emergency surgery. ASPCA Pet Insurance was there every step of the way, walked me through the entire claims process including deductible amounts and the amount that we were covered. Payment was received in a very timely manner, and we could not be happier. The rep, Morgan, even called us a week or so after the surgery to check up on our dog. Thank you ASPCA patent Sharon’s!
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5

out of 5

POSTED: | BY: Jessie Duffy

I've had nothing but great service when …

I've had nothing but great service when I've submitted a few claims. The claims were paid promptly. I would highly recommend ASPCA Pet Health Insurance to all of my pet loving friends and have done so when asked about my contact with the insurance company.
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5

out of 5

POSTED: | BY: Maggie

The BEST thing I have ALWAYS gotten for my dogs!

Well worth the peace of mind of having FOR each one of my dogs!
5

out of 5

POSTED: | BY: Pam

Quick reimbursement, friendly staff.

Great response time to claims. Friendly staff on the phone.
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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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