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: Erin Hall

Worry free

I have been contemplating getting pet health insurance for years. After I spent $2000 on my dogs broken toe I thought it couldn't hurt. It has been amazing. My cat recently was diagnosed with cancer and it has taken all of the agony out of deciding what to do. It is no longer about the money but about my pets quality of life. I am so appreciative! It is so easy to submit a claim online and the reimbursements are so fast. Thank you aspca!
5

out of 5

POSTED: | BY: Kay Mc Occoquan VA

Pet insurance

So easy. You don't have to wonder what is covered and what is not. The Vet submits all of the information and paperwork and you just wait for the reimbursement to show up in your account. Someone always calls to follow up on the pet's progress and current condition. Very pleased with the customer service.
5

out of 5

POSTED: | BY: Lori Stewart

5 Stars

I have had ASPCA insurance for several years, and have never been disappointed. They have affordable, good quality coverage; they process and pay out claims quickly and without fuss; and they always give follow-up calls -- just to see how my recovering pet was doing, or to offer their condolences when one passed. They even sent a condolence card signed by the people in the office when my little Cho died -- I was very moved by that. There are true human(e) beings working for this company. They have my business for life :)
5

out of 5

POSTED: | BY: Dennis Estes

Great service, easy to use, highly recommended

Pet insurance, much like all insurance, isn't something you need until you need it, and fortunately, when we've needed it, ASPCA has really been there. Our dog recently had a 3-day stay at an emergency clinic due to what was later diagnosed as pancreatitis. The out-of-pocket expense was $2600. Soon after, I submitted my claim online (which, by the way, is extremely simple and easy to use, just another reason why I like this insurance so much) and within 72 hours my claim had been processed and I knew exactly how much I was going to get back on my claim...nearly 75%, which would have been higher had I already paid my small annual deductible of $100. My point is, I realize paying monthly premiums for no potential benefit is something that some choose to avoid, but I am telling you, when the time comes and your loved one has serious medical issue, you will be THANKFUL to have had the ASPCA in your corner. I cannot stress it enough...they are there when you need them. I highly recommend this pet health insurance to anyone that is considering getting it for their pet.
5

out of 5

POSTED: | BY: Angela Reale Mathisen

Impressive service; quick response and caring staff.

I'm always amazed at this service. They truly seem concerned with our dogs and sometimes follow up to find out how Daisy or Dolly is doing. Payment has been prompt as well as explanations. The website is easy to navigate and now filing a claim is even easier.

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.

Get a quote today

Leave a review