ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: James

The coverage is great and the caring is like family

I used to have another pet insurance which in the long run was good. When we brought two new dogs into our family my vet suggested ASCPA. All I can say is WOW! the coverage plans are awesome. We have a young golden retriever/golden lab mix as well as an older Boston Terrier mix. The plans are "tailored" for each. Both awesome! Now the Boston seems like he is an accident waiting to happen. A lot of minor issues with feet and eyes. What ASCAP has done is shown a genuine concern for my dogs. I received phone calls after a claim was filed asking how my dog was doing! Our vet does this but the insurance company??? That is some awesome caring customer service!! In this hectic world I really appreciate the thoughtfulness. While our other National Insurance company was good ASCAP is great. Quick to respond to questions. Personal touches that show we are a valued customer not just a client number. I highly recommend this company for pet insurance.
5

out of 5

POSTED: | BY: Janette Williams Smith

Excellent Service!

Excellent Service! I have been very pleased with the prompt and efficient services received in processing claims and the excellent customer service received on my telephone inquiries. Thanks you for making my family's experience with our first dog an awesome one!
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5

out of 5

POSTED: | BY: Cheryl Summers

Yes I have recommended this company to …

Yes I have recommended this company to my friends a family. Once I submit my invoices they are paid within days, and I have two dogs.
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5

out of 5

POSTED: | BY: Niccol

Awesome

The best insurance ever. Easy to file a claim, quickly turned around, great price and great coverage. I like that someone calls me after my dog has surgery and if I need to call, they are nice and knowledgeable. I've recommended ASPCA pet insurance to any one with pets, especially my friends and family. I'll never use anyone else.
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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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