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: Jacqueline

This is my saving grace!!!

We dreamt... forever on adding a little Chocolate Lab to our family, we went through all the proper steps of finding a reputable breeder and a dog with a good family history. Despite that, because I grew up in a doggie household, I know how much these members of our family can cost us. Never do you imagine that you will have to use any of the pet insurance, especially in a puppy that is only 12 weeks old... but we did! Aliyah our 12 week old Chocolate Lab was diagnosed with a pre existing condition known as a liver shunt. We had rushed her to the emergency vet with signs of disorientation, foaming saliva, and weakness. She was admitted into the ICU at Cornell Veterinary Hospital, which I can ensure you is NOT cheap. After numerous visits with specialists, series of testing, medication, C-Scans, etc. I'm sure you can only imagine how much we are up too...$$$$ the ASPCA Pet Insurance has been my saving grace! Our little girl is doing fabulous today. She is a happy puppy with lots of energy and growing like a weed! I have to say that the pet insurance has been my guiding light through this entire process. Although we are not out of the woods yet, and Aliyah will have to go for an operation when she turns 8 months old. We are optimistic that she will live a long, happy, and healthy life! The ASPCA Pet Insurance was so quick in there reimbursements that it has continued to provide me with the money that I need to keep Aliyah healthy and strong. The staff from the very beginning has been supportive and informative the helped in guiding me to what the proper plan was for me based on the type of dog we were getting, to now when we need all the support we can. It's unfortunate that we have to use the insurance, but it is most fortunate that I have a great support team in the ASPCA Pet Insurance Company. I recommend them to every one I know who already has a pet and is thinking about adding a little joy to their family as well. Thank you with all my heart!
5

out of 5

POSTED: | BY: Kate Peppard

Customer service has always been …

Customer service has always been wonderful, and the revised plan structure brings a lot more flexibility and clarity. Thank you!
5

out of 5

POSTED: | BY: Linda

It couldn't be any better

Of all pet insurance companies I looked into, ASPCA pet insurance was excellent from the first call. The people you deal with have compassion about your pet almost as much as you do. My first experience was with my dying kitty that was very sudden. I received a hand written sympathy note and phone calls from very caring people that eased my pain and really made me feel like they were right there with me grieving. They were amazing. My most recent claim was for my 13-year-old who had an upper respiratory infection. I got very nervous because of her age and took her right to the vet. She wasn't eating or drinking and I thought it was the end. While she was recovering, I got a call to see how she was doing. How amazing is that?! Any time I deal with the folks here, I'm am always so pleasantly surprised about how considerate they are. I wish the training these people get was the same for human insurance companies!
5

out of 5

POSTED: | BY: Lindsay

Amazing service and coverage -Highly recommended!

I have 3 pets signed up with ASPCA Pet Insurance and love it! The great coverage has saved me a lot of money! Every claim has been processed quickly, followed by a phone call to let me know that it was processed and periodic check-ins about my pets. Excellent and Friendly customer service representatives!
5

out of 5

POSTED: | BY: James

WOW!!!

Fabulous service: easy to submit a claim, and very prompt payment. Easy to use website keeps you fully aware of the status of your claim. Love the fact that they call you to see how your pet is doing.

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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