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: Paula

Best thing I could do for my dog

One Sunday morning, I knew something wasn't right with Roxie. She wouldn't walk and was trembling and whimpering in pain. I hated the idea of having to go to an emergency clinic, but I quickly thought, "that's what her pet insurance is for." I took her to the local emergency clinic and 4 hours and $600 later, they told me that she was just a senior corgi that was starting to show her inevitable spine and hip problems. I turned in her claim and it was only a couple of days later that I was reimbursed, and the next week someone from ASPCA called to check on her. I have had nothing but wonderful experiences with my policy and will continue to keep Roxie insured. I work in the veterinary field and anytime someone asks me if I know anything about pet insurance, I always recommend the ASPCA.
5

out of 5

POSTED: | BY: Antonietta

Excellent service!

I am so happy with the service I received with aspca. Every staff person I speak with is extremely kind and helpful. Their service and the fact that they do allow dogs with preexisting conditions was the reason I chose them and I am glad I did. Claims are processed quickly which is very helpful since I submit frequent claims with my dog.
5

out of 5

POSTED: | BY: Tonia Rife

They were very fast in getting my …

They were very fast in getting my paperwork looked at and my check in the mail. Without ASPCA Pet ins. It would have been harder to get Thome taking care of. Thank you,
5

out of 5

POSTED: | BY: Joseph

Very fast and very fair

My dog Zoey was dealing with a lot of illnesses at once, and required a number of vet visits. Ultimately, she needed some expensive CT scans and even more expensive surgery. I filed multiple claims with ASPCA Pet Insurance (a process that was quick and painless), and to my surprise, not only did they process the claims in just over a week, but they were very fair with the payout. No making excuses, or trying to get out of paying, they paid out exactly as agreed to in the contract. My vet bills ran into the thousands, and ASPCA Pet Insurance helped to ease that burden considerably. I highly (VERY highly) recommend ASPCA Pet Insurance.
5

out of 5

POSTED: | BY: Tori

Easy to understand; very helpful

We have 3 exotic shorthair kittens who can be prone to breathing problems due to their smooshed faces. I was torn about investing in pet insurance as this was my first time purchasing. I did extensive research between plans, trying to figure out an apples to apples comparison and have to say Betsy, my customer service rep, was fantastic! She answered all of my questions over many phone calls, and made me feel comfortable. Every claim has been quick and easy and the direct deposit has been most helpful. I am very thankful for the coverage I have.

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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