ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,086

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: kelsea s

Easy to use - Great Customer Service

When I first began using ASPCA Pet Health Insurance, I selected them for 2 primary reasons: affordability and reasonable waiting periods for the policy to take effect. In the past, I have only used pet insurance for small things in the past: vet visit, shots, flea medication. This is great coverage for that plus more - my first claim for my pet was for an abscessed wound; the process to file a claim was simple and straightforward, although I felt it took a bit long to get the refund. That aside, the second time I had to take my pet in for poisoning, again the ease of filing a claim was simple, a customer service rep even called to check up on us and see how we were doing, and this time, the return was processed quickly and the waiting time I had experienced has been shorted significantly. I used to use VPI Pet - I would now say that ASPCA Pet Health Insurance is the go-to! I highly recommend them!
5

out of 5

POSTED: | BY: Shaddy Ibrahim

Excellent service

Excellent customer service
5

out of 5

POSTED: | BY: Nicole

I highly recommend ASPCA Pet Health Ins

We've had ASPCA Pet Health for 10+ years. We've also tried some other pet health insurances when we've adopted new family members but we've always switched them over to ASPCA. It's easy to use, easy to know what you can get reimbursed, and they quickly process your claims.
5

out of 5

POSTED: | BY: Wayne Person

Reliable and Fair

I have just resigned with ASPCA Pet Health Insurance for our new dog, Biscuit, This was based on having coverage with other animals in the past, mostly cats. When we needed coverage for our most recent cat, who we spent about $6,000 trying to save, ASPCA was there for us and settled our claims very fairly and very quickly. It frankly was a "no brainer" for us to put our new dog under their coverage.
5

out of 5

POSTED: | BY: KAREN

Great service

Great service with fast claim turnaround!

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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