ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Judi Bell

Has been a big help with vet bills for our dog

Our dog Shela was diagnosed with diabetes last June 2016. She was started on insulin. We had to take her to vet every 3-4 weeks to have blood glucose checked. The amount of insulin was adjusted several times. The insulin cost was about $110 a month and the syringes were about $30 for 100. They lasted just short of 2 months. Then the vet suggested a different insulin which initially seemed more expensive at $250 but it lasted just short of 3 months. I put claims in to ASPCA and they paid a good part of the amount claim. Someone called to see how Shela was doing. I haven't called them back yet because I was out of town.
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5

out of 5

POSTED: | BY: Amanda Jones

Fur Babies

Exceptional customer service and follow up!
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5

out of 5

POSTED: | BY: Galina

Like it. Have had it since 1996. Now on second dog

Our first dog had parvo, pancreatitis, arthritis, and eventually, cancer. Insurance helped us a lot with medical bills. Last treatment was 17 courses of radiation of nasal tumor, plus consultations, etc. Insurance paid what it supposed to pay.Now when we got a new puppy I signed up again with no hesitation. Actually, I found that now, the new policies for coverage are even better than we had before few years ago. Our puppy in his chewing vigor managed to break canine teeth and the gums were infected. We had to do dental surgery on him. and Insurance paid 90% of expenses. I would recommend this insurance. Claims are processes fairly and quickly.
5

out of 5

POSTED: | BY: Roger Donato

Good experience

our 5 yr old mostly rottie developed a fatty tumor on his leg right at the joint. Had it removed by the vet and submitted claim to ASPCA insurance policy. Took less than 10 days to get reimbursement per policy guidelines. Very pleased with the hassle free handling of this claim. Would highly recommendthe company to anyone.
5

out of 5

POSTED: | BY: Ben

Easy to File, Quick Payment

Very happy to have pet insurance, easy to file claims, quick payment, no issues.
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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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