ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,090

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: Kaitlinh

Great Customer Service

My puppy had a stomach issue and we couldn't figure out what it was so had ultrasounds, IVs, x-rays, and medicine. it ended up passing after about two weeks but ASPCA reimbursed me for the bills no questions asked and just followed up to make sure my pup was doing well a couple of weeks later. They don't say "no that's not covered" like a lot of insurances and they have a very knowledgeable staff. I hope I never have to use the illness/accident insurance again but if I do need to, I can rest assured that my pup and my bank account will both be taken care of without the stress of worrying about being reimbursed through insurance. So glad i chose ASPCA!
5

out of 5

POSTED: | BY: Linda

Satisfied

I have been satisfied with the type of coverage, timeliness of claim payment and overall customer service provided by ASPCA.They have proven to be extremely reliable.
5

out of 5

POSTED: | BY: Abbey

Great insurance for my cats!

Great insurance for my cats!
5

out of 5

POSTED: | BY: Marilyn Gower

Great Pet Insurance!

We have 2 kitties, a Balinese and an Abyssinian. They have been covered by ASPCA Pet Health Ins since we got them. I send all my statements from my vet (via email) to the ASPCA Pet Ins office and they sort out what is covered in my policy vs what is not. I don't have to struggle with it. I really appreciate that part! I have been VERY satisfied with the amount they pay on each bill. They review the statements promptly, and notify me immediately when one of the submissions has been completed. I really have nothing but good things to say about this company -- after all, they're associated with ASPCA, who I trust is doing all they can to protect and help animals, a cause near and dear to my heart!
5

out of 5

POSTED: | BY: Greg Olson

A GREAT PET INSURANCE PRODUCT

I HAVE NO OTHER EXPERIENCE WITH PET INSURANCE. HOWEVER, THE ONLINE METHOD WITH ASPCA MAKES IT VERY EASY TO PURCHASE A VARIETY INS, FILE CLAIMS AND OBTAIN CLAIMS FAST VIA DIRECT DEPOSIT. YOU DO NOT HAVE TO BE INTERNET SAVVY. I'M ON YEAR TWO WITH THEM AND PLAN TO STAY.

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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