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: Cathy

From skeptic to believer.

I've been paying into the insurance I purchased for Leo for over three years. I've never had a reason to use it or submit a claim until this year. My poor puppy needed an operation. The cost almost floored me and I was not sure the insurance would cover. I submitted a claim for an estimate. The estimate was processed quickly and it identified my output versus what the insurance would cover. It gave me the peace of mind that I need to approve the surgery for my beloved Leo. So, yes, like others have stated this insurance did give me that peace of mind. So glad I kept the insurance coverage and will continue to keep it.
5

out of 5

POSTED: | BY: Chuck Gurden

Excellent company in which to do business!

Excellent company to do business with for Pet Health Insurance. Very attentive on follow-up and demonstrate they truly care for the health and well being of my dog.
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4

out of 5

POSTED: | BY: Sheryl

Insurance has been helpful

I would give ASPCA a very good review. They covered by 16 year old Chihuahua mix from her mid life until her death at age 16. Other pet insurance companies wont even cover dogs older than 10. Also, when she finally passed away, they called and left me a very nice voicemail message offering their condolences.
5

out of 5

POSTED: | BY: Erika

This has been the best pet insurance …

This has been the best pet insurance and I highly recommend them.
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5

out of 5

POSTED: | BY: Jamie

Helped with a persistent health problem

Our dog seemed to have a chronic GI problem. Having ASPCA insurance allowed us to be persistent with trying to get to the bottom of a problem that plagued him for many years. He is now on a thyroid medication that seems to have settled his issue. Fingers crossed, knock on wood, etc. Especially because I just received a letter saying that his insurance plan is not available in our new state...
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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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