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.
4

out of 5

POSTED: | BY: Chris

I'd Reccommend

Although there is some ambiguity as to what is covered and what isn't without reading the fine print, ASPCA tends to process claims quickly, approve a reasonably fair amount of the bill total, and pay promptly.
3

out of 5

POSTED: | BY: SuperSylph

ASPCA Pet Health Insurance is okay

ASPCA Pet Health Insurance is not bad, but it is not great either. I was trying to move one of my cat's policy renewals to a different month, but they would not do it. Dental month is in March, which is the best discount period, but the policy renews in January. This makes it so I do not meet the deductible. Therefore, they will not cover her dental. This is the second year in a row, so I am looking to change to another insurance company eventually.
5

out of 5

POSTED: | BY: Shirley Marcus

Kudos to the team

When I had to put my cat, Deanna to sleep, we were at the emergency clinic. I filed a claim, and the claims team saw euthanasia, they canceled her policy. I was too upset to even think about canceling it myself. This year I went to emergency with Hoshi. The clinic had changed hands, so there is a new name. The claims team added the emergency clinic to my list of vets. I didn't think about adding the emergency clinic. They are great! KUDOS to everyone that has handled any of my claims! They have enough empathy to know when a pet owner is distraught, and can't think straight. Thank you sooomuch.
5

out of 5

POSTED: | BY: Dina

Excellent, easy and compassionate staff.

I have been using ASPCA health insurance for my 2 huskies for years and they never disappoint me. The claim process is super easy and I've never had any problems with reimbursements. They even call you after they received the claim to see how your animal.is doing. The best health insurance out there.
5

out of 5

POSTED: | BY: Anna

Superior service & easy to use!!!

The representatives I spoke with couldn't be more helpful and the process couldn't be easier. The reps answered all of my questions and were so caring, patient and kind and what I thought would be a long drawn out process was as easy as filling out a form online and submitting it. You get emails with the status of your claim and the refund was directly deposited before I even had a chance to check my emails for a status update.When you find a company that cares, I mean really cares about your pet, you feel protected and it now gives me serious peace of mind that my dog will always have exactly what he needs when he needs it. Thank you ASPCA for your superior customer service!

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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