ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,064

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: Mary Alice Molgard

ASPCA Pet Health Insurance personnel are fantastic!

I've had nothing but great experiences with ASPCA Pet Health Insurance personnel, in both good times and bad. I had injury insurance on my cat Scotty, who had some pre-existing health conditions when I joined the company. I never had to use the insurance, but when Scotty died last August and I informed the CSR, I was treated with such kindness and compassion. The individual, whose name I don't remember, was genuine in expressing sympathy, and I received credit on my premium within a few short days. A week or so later, I received a condolence note, again sympathetic and genuine. I was touched, and the note is tucked away with other messages I received from friends and family. So that wonderful experience has brought me back, now that I have two beautiful new kittens to keep me on my toes! Sassenach and Sable are strong and healthy, and I hope never to have to use your services. But I know that if that situation arises, ASPCA will be there to provide the care and protection my kittens are entitled to.
5

out of 5

POSTED: | BY: Grayce Tripodi

5 Stars

Excellent plan, I would advise all who have a pet to take advantage of this
5

out of 5

POSTED: | BY: Zack Kasten

ASPCA

Great Experience from beginning to end. The ASPCA makes the process very easy. Thank you much!
5

out of 5

POSTED: | BY: Breanna Gokey

I love ASPCA Pet Health Insurance

I have recommended ASPCA Pet Health Insurance to several of my friends/family with pets. Recently my ended up hurting himself requiring surgery which cost me $1500.00. I did not hesitate at all when the vet said he needed surgery because I knew ASPCA Pet Health Insurance had my dog covered under his accident policy. Submitting a claim was super easy and I received my refund in nearly no time at all. Now I can only hope he learned his lesson and steers clear from danger, but if not I know that ASPCA will be there again for me and my dog when we need them most!
5

out of 5

POSTED: | BY: Freddie Durrant

The Best Pet Insurance Ever!

My last 3 dogs have been covered by ASPCA and they have been very helpful and wiling to discuss and resolve and questions I had. This is a company that cares about you and your pet. When I lost my last dogs it was such a caring thought to receive a hand signed card from them. They make the whole process of obtaining and continuing coverage very easy to do. Making a claim is simple and there is good communicate throughout the process. I work with a giant breed rescue and always highly recommend adopters to use ASPCA.

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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