ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: Cynthia Strnad

Best decision I've made for my furbabies

Easiest claim filing I've ever encountered, wonderful customer service, politest employees I've ever spoken with, very reasonable premiums and, the best feature of all in my opinion, they are extremely personable and make me feel like my pets and I are truly important. When I filed the claims for my dogs passing, I not only received an email sharing their condolences to me but they also sent a very sweet card which they personalized including my other dog by name in the handwritten part of the card and I also received a phone call from them sharing their condolences to me. I couldn't be happier with the service I have received and I am extremely satisfied and happy that I made the decision to cover my pets health with the ASPCA insurance company!!!
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5

out of 5

POSTED: | BY: Ana S

It has been a relief to have this insurance

I have this insurance for almost 10 yrs, they always have been excellent in paying claims quick. This last time, my 15 yrs Yorkie was diagnosed with nasal carsinoma and I took him to the vet oncologist. All the exams and treatments have been very expensive and I was concerned many things were not going to be covered. For my surprise, I got reimbursed very quickly. If you have a pet and you are an animal lover like me, you will do everything for your pet. Thank you for your support, it has been a huge help to care for my little one.
5

out of 5

POSTED: | BY: Lindsay

Excellent Service, User Friendly, Timely!

ASPCA has been great for our English Bulldog. We saw a flyer at the vet when we first got him and thought it just made sense to have peace of mind in case we ever needed it. The website is very easy to use, it guides you through the claim process step by step. The customer service over the phone is one of the best I have ever encountered, very friendly! My claims have always been processed quickly and they offer direct deposit, which is extremely convenient. The premiums and deductibles are very affordable, and very worth it if you end up needing the coverage. They offer something for everybody, which I think is nice too. Our English Bulldog has had a couple of pneumonia episodes and this insurance has come in handy with a couple of hospital stays and trips to the not-so-wallet-friendly emergency vet. I love ASPCA and would recommend their coverage to anyone with a pet.
5

out of 5

POSTED: | BY: Denise

It's worth the monthly price

I purchased insurance for my dog after adopting her 8 years ago. Never needed it until recently - x-rays, neurological and blood testing were all expensive. Nice to know they were on my side and the claim process was extremely easy and fast. Would highly recommend ASPCA Pet Insurance and this will be the first thing I do should I get another dog in the future.
5

out of 5

POSTED: | BY: Gary Bandelean

Trust and great service

I have been with aspca for many years of great service for my best friends.
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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 Insurance detail
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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