ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,091

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

My experience with ASPCA Pet Insurance …

My experience with ASPCA Pet Insurance has been awesome. The staff is extremely caring, accommodating, follows up on claims and cares about the pets. 👍🏽👍🏽👍🏽I am a satisfied customer.
5

out of 5

POSTED: | BY: guy

PEACE OF MIND

Misha my now 9 year old cat had an infection of his back either by a bite or a cut. He needed to stay with doctor for 4 days to clean,drain,and stitch the infected area.Without your insurance I would have had to put my little boy down.I am out of work and could not afford the expense. Having your insurance has given Misha the cat a second chance at life.
5

out of 5

POSTED: | BY: Beverley Wisher

I get my money deposited into my …this I why I like ASPCA

I get my money deposited into my checking account usually about a week after I submit the claim. It is really easy to file a claim on my I pad
5

out of 5

POSTED: | BY: Diane

always get ASPCA pet insurance the best there is!

Both of our dogs (our baby's) are insured with ASPCA INSURANCE. The our BLUE NOSE PIT BULL was spaded and she is covered under the full coverage. the claim was handled with efficient care and service, Our Shelter (baby 5 year old beagle/mix) developed health and hereditary problems after 3 years and we were able to give him the med's and care he needed until the end. I would advise all with pet's to get this insurance of they can, it's plan's are great!
5

out of 5

POSTED: | BY: Mia

Great service and support from ASPCA Pet Insurance

My cat Sophie had a sudden crash caused by multiple issues - congestive heart failure, pancreatitis, anemia, a kidney infection, and CRF. She ended up confined at a specialist vet hospital and had to undergo numerous tests and had many different treatments. The veterinarian team was excellent but this came with a really high price. Having ASPCA Insurance was a tremendous help, as they covered 80% of the expenses for Sophie's treatment (after the deductible). I had never dealt with an insurance company for a major pet illness and I was very surprised at the ease of filing and the quickness of updates (they needed to get more information from my vets) and response. I also got a call from Courtney of ASPCA a day after receiving my claim decision to check on how Sophie was doing. I am so relieved and thankful to have pet insurance during this time because I was able to get what I would say is the best treatment in SF I could get for Sophie. ASPCA Pet Insurance made this really stressful period more manageable.

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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