ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,087

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: Stephen

Fair and honest

Talk with ASPCA before submitting your first claim to make sure you proceed correctly. Note that bills submitted online as file attachments cannot have names, containing underscores.
5

out of 5

POSTED: | BY: Barbara

This is what all insurance should be...

I've subscribed to ASPCA Pet Insurance for several years, and never had to make a significant claim until recently. My cat, Abby, is an outdoor cat. Everyone in the neighborhood loves her. However, a new cat moved into the area and threatened Abby's territory. There was an attack by the new cat and Abby sustained several bites on her neck. Two of them became very infected, so, I took her to the vet. the process of healing began. The cost was very expensive. That's when I made a claim to ASPCA Pet Insurance, and received the help I needed to pay for Abby's care. The application process is so simple and easy. Plus, they are quick to make a payment. A kind man called to make sure everything went well, and asked if I had any questions. Not only that but the premiums are very affordable. Therefore, if you have a pet that is like a family member, then, for peace of mind, you should purchase ASPCA Pet Insurance. You will not regret it!
5

out of 5

POSTED: | BY: James

There's no better pet insurance then these guys!

Absolutely wonderful. From customer service to claim processing and refund time. Unbelievable how on top and friendly they are. Best choice to switch to them. I will be a lifetime member
5

out of 5

POSTED: | BY: Linda

Staff were very professional and nice

My precious had gone blind went to see about it. My regular doctor sent me to a specialist. Just told me to get 800.00 or more for tests was in and out in 15 min. Called my insurance to see if I could go to a different doctor and they told me I had the right to go where I wanted. I found a doctor that took an x-ray and told me that my dog would be blind for the rest of her life. But also she had an inflammation through her intestines. and gave me medicine special diet. she is doing good, and I only had to pay 325.00 instead of over a thousand. ASPCA was there for me.
5

out of 5

POSTED: | BY: Judy

Thank goodness for pet insurance!!!!

Our youngest lab has had idiopathic head tremors since she's been two years old. After she turned six she had a full blown seizure which involved more extensive testing. Nine months later she had a second fullblown seizure at which time they diagnosed her as epileptic and we started her on seizure meds. Her internist noticed slight elevations over the years in her ALT enzyme and recommended a liver biopsy to rule out Copper Toxicity. Her recent pathology from the liver biopsy confirmed she suffers from Copper Associated Hepatopathy. We've started treating her with meds that will hopefully reverse this and possibly her seizures will resolve.. We are hopeful that this may have always been the underlying illness. Thankfully since we have pet health insurance we don't think twice about taking our dogs to the vet for treatment and in this case we have hopefully given her the chance to live a full long life!!!! We love our dogs soooo much!!!!!

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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