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: Virginia G.

ASPCA - definitely the right way to go !!!

I was unsure about pet insurance but I purchased it after speaking with the kindest woman at ASPCA. I went almost a full year without needing it until my dog ate a chicken bone !! Off to the hospital for tests and images and then a follow up appointment at the vet, Within days of submitting two very EASY claims online , a payment came from ASPCA. It covered everything the policy said it would and was prompt and direct deposited right into my checking account ! Very good decision to go with ASPCA !!!!!
5

out of 5

POSTED: | BY: Annemarie

Best possible customer service and peace of mind!

I cannot say enough about ASPCA Pet Insurance... I have been a member for more than 6 years. My lab-golden mix, Austin, has IBD and has had several other issues over the years and ASPCA PET INSURANCE has been there for us every step of the way. Their customer service representatives are easy to reach, patient, knowledgeable, and compassionate and could not be more helpful when I have had questions. They offer prompt and accurate responses to every inquiry. I have even received follow-up calls after filing a claim asking how Austin is doing. Several plans are available and make sense. Claims could not be easier to file, as you can file online and upload a receipt in just a few minutes. I have even had my claim settled and received reimbursement in as little as two days! Thanks and keep up the good work!
5

out of 5

POSTED: | BY: Silvia

They deliver what they promise.

Recently my Sofia (a 12 year old bichon), had an infection in the eye. The vet examined her, made the diagnosis, treated her and wrote presciptions. The plan reimbursed us at 80%, which is what we expected.as always they handled the claim very promptly.
5

out of 5

POSTED: | BY: Henry

Good to have !

Easy to file a claim and easy to handle the filing online. Only had one call from ASPCA insurance about the claim. Had 2 calls asking how my dog was doing . Good people there!
5

out of 5

POSTED: | BY: Samantha Brand

You guys are awesome!

You guys are awesome!

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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