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: Amanda

Good Coverage with ASPCA Pet Insurance

We rescued our dog and was given advice to consider pet insurance. We looked around online and without a lot of knowledge,secured coverage through an online company. Then we established with a local veterinary clinic and in the welcome packet, they included ASPCA information. We reviewed and quickly realized ASPCA had better coverage than what we had previously purchased. We have had very good servicing with ASPCA through claims submission and payments. As well as the attentiveness of the agents each time we call with questions. They also are very caring and place follow-up calls. Definitely recommend ASPCA for pet insurance needs. A great company so far for us.
4

out of 5

POSTED: | BY: dianeCustomer

We would like to see a little better …

We would like to see a little better coverage-perhaps divided by breed of dog-ours is a pug who traditionally has certain problems on a somewhat regular basis
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5

out of 5

POSTED: | BY: Marisa

Customer for Life

ASPCA Pet Insurance has been a life saver for me. The claims are extremely easy to follow and the customer service has always been great. I switch companies a few years ago and immediately realized my mistake and switched back.
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5

out of 5

POSTED: | BY: Carla

Very Satisfied

Best investment we have ever made ! The policy pays for itself in no time. Very nice that the staff follows up on the health and well being if your pet.
5

out of 5

POSTED: | BY: Claire Vayianos

I have had ASPCA since last year for my …

I have had ASPCA since last year for my first puppy and now have gotten another puppy who is also insured through you and have been very satisfied.
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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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