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: Tammie Holm

Great Piece of Mind!

Love, love, love ASPCA pet insurance! Our dog was bitten by a rattlesnake, for which the treatment and follow-up care would have been a HUGE financial burden for us. Both claims (submitted online via their website) were processed quickly and paid promptly ... with ZERO hassle. Our 80% reimbursement amount (minus the $100 deductible) was directly deposited into our checking account. ASPCA pet insurance allowed us to focus on the care and recovery of our sweet Coco, rather than worry about how we could afford to save her life.
5

out of 5

POSTED: | BY: Janetta

Friendly Service

I am so glad that when I brought my puppy home that I enrolled her for ASPCA pet insurance. She is now almost 3 and I still have her enrolled in the insurance they are very helpful and seem to really care about Milli's health, they will call after a claim is filed just to check on her condition and make sure she is getting better.
5

out of 5

POSTED: | BY: Jordi

Love Sadie's Coverage

Sadie has been covered with ASPCA Pet Insurance since she was 12 weeks old, and here we are 9 years later and counting. The process of submitting a claim has really been simplified over the years, so now it is just an easy electronic submission at the Member Center of the ASPCA Pet Insurance website. There, I can also check on the status of the claim, and I set it up to have the money directly wired into my account--so convenient. The premiums have risen slightly over the years, but they are willing to work with you on that. They have covered a variety of ailments from antibiotics to eye surgery all within reason where I get a lot of her medical services very highly reimbursed. Very easy to work with and great at care and coverage. The dreaded comment "19" of a service being too high for my area code is my only complaint! :) Overall, a lovely company and I am so glad that Sadie is in their care.
5

out of 5

POSTED: | BY: Hope del

Quick Review and Response to Claims

Have had good experience using aspca pet insurance. My claims are processed quickly. I appreciate the quick response.
1

out of 5

POSTED: | BY: kay

waste of 2 yrs of coverage 4 nothing

waste of money, what they claim is covered is not. they word things just so that they end up denying your claim no matter what its for! worthless. cant believe i wasted over 2 yrs for them to not cover a simple accident that was way cheaper than what i paid for 2 yrs.hematomas are not an illness.it was a bite that formed a hematoma.

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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