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: Melissa

Easy, reliable and honest

I have to say that when I considered getting pet insurance I was a bit skeptical. I did my research and chose ASPCA Pet Insurance based on reputation. I'm happy I did. I just recently had an emergency situation with my Jack Russell who decided 50 cents looked delicious and ate them. I was unaware until he started getting sick. He had to go in for emergency surgery and have them removed...it was very costly. I paid it, filed my claim and had my money reimbursed to me within 2 weeks. Everything they initially promised me is exactly what they provided. The employees were fantastic to deal with. Hands down I'd highly recommend them. And I'm a picky customer. 😉
4

out of 5

POSTED: | BY: Juanita

Hassle free!

We have been with this insurance company for about 9 years. Our Mausberg has had several surgeries and it's always comforting to know that a portion of that cost is covered. They are easy to get in contact with and they have great customer service'
5

out of 5

POSTED: | BY: Axel

Great Service!

It was a great relief to have this insurance. After paying for quite a few years it turned out to be totally worth it after my cat got sick. The claims were processed very quickly and refund checks sent right away. I highly recommend ASPCA Pet Insurance. The customer service rep Bob was wonderful and nicely concerned by asking how my cat was coming along. Great customer service.
5

out of 5

POSTED: | BY: Pat

Always helpful, fast, efficient

Diabetic, multiple claims, handled very efficiently and I was kept informed while info was being gathered from vet.
5

out of 5

POSTED: | BY: dc

fast and reliable, A++ customer service

its clear what is covered, quotes within 24 hours. post surgery they called me (a human person!) to see about biopsy results and see how my dog was doing! great customer service, could not recommend pet insurance and ASPCA enough.
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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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