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: Troy

Something you wish you had

My veterinarian suggested pet insurance after my less than 2 year old Vizsla went in for her second bowel obstruction in a 4 month time span. I researched the numerous ones on the internet and decided to go with ASPCA. For a couple of years, there were no doctor visits yet still had the peace of mind of having it. Automatic renewal is a plus as well. Recently I had to use it twice for a barbed wire accident and an eye issue. It was incredibly easy to fill out the claims and within a week, I was reimbursed. Plus their staff loves pets and get to bring them to work. How cool is that!
5

out of 5

POSTED: | BY: Carrie

Injury Covered

I joined ASPCA in February. The very next month we really needed it. My Dachshund/Chihuahua mix was running outside and ruptured a disc in her lower back. This left her paralyzed almost immediately! I took her to an Animal Neurology center where they did an MRI and did surgery to remove the spinal compression. Summer had to stay in the hospital for nearly a week. Needless to say, my medical bill was very steep. I submitted my claim and crossed my fingers that the surgery and all of the other necessities would be covered. They covered 90% less her annual deductible! I was so relieved as I didn't know how I was going to pay off that credit card bill! I am a very happy client so far!
5

out of 5

POSTED: | BY: Jack

I have been enormously pleased with ASPCA

ASPCA has been professional, courteous, timely and efficient in all aspects of their insurance services, claims processing and other related matters. We are very pleased we initially chose ASPCA for our four legged family members' insurance needs, and we intend to continue with ASPCA.
5

out of 5

POSTED: | BY: Lou

The Blue Chip of the Pet Insurance World

My dog is alive thanks to these folks. Eight years after rescuing my dog from a neglected environment, he had a serious leg injury during an ice storm that made him almost unable to walk. The emergency room and initial treatment bills were onerous, and we had to put him on intensive physical therapy. And as well, he's needed continuing pain medication and therapy as needed. ASPCA came through marvelously. I wish most people insurance plans were as good and as effective.
5

out of 5

POSTED: | BY: Melondy A.

Thanks aspca

The buying process was easy. I had pet insurance with another carrier in the past but never had to utilize it. Nonetheless, after my pup came down with a debilitating bacterial infection, my claim was handled and addressed right away. I have 2 pups signed up. I hope i never have to use the coverage, but I'm happy to know they will have me covered if it do.

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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