ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,147

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: Deanna

A Positive Insurance Process

I filed 2 claims with ASPCA. The first was for an initial vet visit for exam and bloodwork to determine why my cat was not feeling well and then a 2nd visit for a different blood panel. He was diagnosed with pancreatitis and required cortisone and a diet change. ASPCA received my claim and processed it very quickly. I received my portion back within a week. I also received a call from ASPCA asking how my cat was doing and a card with a hand written note thanking us for being a customer. I was very pleased with the process, customer service and the personalized approach. I have recommended them to others with animal companions.
5

out of 5

POSTED: | BY: Niomi

Reliable, helpful, caring.

I've had this insurance for several years. The staff is always friendly, helpful and knowledgeable. The claims are processed efficiently and are easy to file. I have recommended this insurance plan to friends. I appreciate, too, that they give me a follow up call after a claim to ask how my dog is doing.
5

out of 5

POSTED: | BY: Ellen

A great company!

I'm very satisfied with the coverage. The online claim submission is awesome and my reimbursements go directly into my bank account within a matter of days. And after each claim, someone calls to check up on my sick animal, which I find very sweet.
5

out of 5

POSTED: | BY: Robert

Excellent Pet Insurance

ASPCA Pet Insurance meets its contract provisions with this customer without any hassles and in a timely manner. I have been recommending the insurance to friends and people I meet.
5

out of 5

POSTED: | BY: Audrey

Highly Recommend ASCPA Pet Inc

This is the first time I have gotten pet insurance for one of my dog's and couldn't be happier with our decision to use ASPCA pet insurance. we have very large mastiff's & while they are very healthy dogs, one problem could be very costly. ASCPA claims process couldn't be easier and their customer service team could not be friendlier or more helpful. They treat me so well and make me feel very comfortable contacting them. Claims are processed so fast. Wish I had known about them for my older dog.
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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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