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: Mike

Best decision we made after adopting our puppy

We have a puppy that likes to get into things and is allergic to a lot of foods, just like everyone else's puppy, and so we decided it might be a good idea to get insurance at the end of the year last year. And sure enough Lucy, got sick 2 times in a matter of 2 weeks and had lots of vet visits and medicine and treatment. Without insurance it would have been a nightmare financially. The ease of making claims digitally and the speed in which it is processed is mind boggling. Maybe ASPCA should take over all healthcare! Also the personal follow up on Lucy was the cherry on top. Thanks!
4

out of 5

POSTED: | BY: Yeny Montoya-Huete

Outstanding

I feel so lucky to have my dog insured through Aspca pet health insurance, anytime my fur baby gets ill I take him to his regular vet and I can file the claim as soon as we are done with the vet visit and they take care of my claim quick. Thank you Aspca on behalf of my family for doing a good job
5

out of 5

POSTED: | BY: George

Great service

My dog became ill and I had to take him in to the vet. Altogether the bills came to over $1,000, but ASPCA pet insurance helped out a lot. The submission process was easy and the refund check came in the mail very quickly. In addition, I am impressed with the live customer service. I was called by ASPCA who wanted to know how my pet was doing and even informed me about aspects of my insurance that I was unaware of. I wish my human medical insurance was as friendly!
4

out of 5

POSTED: | BY: Kristen

They truly care!

My dog Fred has seizures and likes to eat things he should not. I have received numerous phone calls asking inquiring about Fred's health and asking if there is anything else that could be done to help me care for him. I would absolutely suggest this insurance to anyone!
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5

out of 5

POSTED: | BY: Kim B.

Awesome Experience

Great customer service. My claims (multiple) were worked quickly and customer service rep. even called to see how our fur baby was doing after his surgery, let is know our claim had been processed and if I had any questions. Would recommend!
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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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