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: John

Outstanding program , peace of mind

Unbelievable service, it is such a relief know that in a time of need your pet is covered. At 14 months old who would ever think your puppy would have to have a mass removed. The staff was so helpful and really care about your pet, like they were their pet. I submitted my claim and with less than a week my claim was approved and credited my bank account. I would recommend to any pet owner this is a must have insurance. No matter how old your pet is. I purchased our insurance when we rescued are puppy and added are 7year old boxer. No matter how old your pet is they will provide coverage.
5

out of 5

POSTED: | BY: Janice

I do this because I love my kitties

We began purchasing ASPCA Pet Insurance because we love our kitties and want to provide the best life possible for them. Before we learned about ASPCA Pet Insurance, we had two elderly cats who both became ill at about the age of 12. One had diabetes, and the cost of his twice-daily insulin injections was expensive - about $200 a month for several months until he passed. His litter mate brother developed pancreatitis, and his hospital stays ran about $1500-$2000 each time he became ill. When these kitties passed, we purchased insurance immediately for the next three kitties. We now have an 8 year old and two 4 year olds. We have the wellness care coverage for each of them, and are very pleased with the coverage. Both of the babies were covered for their spay/neuter procedures. All three are covered for annual checkups, and for those occasional cuts and scrapes they receive in their daily lives. We couldn't be happier that to provide them the best care we can.
5

out of 5

POSTED: | BY: Jamie

Kind and Fast Claim service

My dog had both ACLs tear in a matter of months and the ASPCA processed the estimates quickly and paid quickly after the procedures. Very happy with the service and the representatives were kind and helpful.
5

out of 5

POSTED: | BY: Gordon

Our puppy is protected!

You can't anticipate all the things that might happen to your puppy in the first year. Ours needed emergency obstruction surgery after swallowing a large rock. It was heart-breaking as we thought we might lose her. A few months later they needed to go back in and perform an intestinal resection due to complications from the first surgery. Through it all, ASPCA was there as a reliable partner in our dog's recovery. Their process and dedication to excellence is unmatched. I would challenge you to find a better service provider for your loving pet.
5

out of 5

POSTED: | BY: Kathleen

Peace of mind

Having insurance from ASPCA means I don't have to worry that I may not be able to give my dog Buster the medical help he needs. The claims I made were handled quickly and payment deposited in my bank account. The people I have spoken to on the phone were kind and helpful.

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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