ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Shannon

Wodnerful Company to Deal with

I can't say enough about pets Health Insurance Plan. I have had for over 10year for all of my pets. I would never think to change for a number of reasons #1 customer service and support. All of my dogs have had to use and I mean use the plan for surgery and/or other hospitalizations. So glad I had the Company I did and the limits I selected. Can you get cheaper plans - of course!... but will they cover what this covered No Way, will you be able to call and get the help you need and will they call you just to check in your your pets - the answer is No. Well worth every cent just for the customer service and coverage available.
5

out of 5

POSTED: | BY: Alan

Great Company - Very Satisfied

We am very pleased with our ASPCA policies - we have two dogs and the premiums are reasonably affordable. For the first time using the policies, we submitted claims for our older dog, Finn. He had a serious eye condition that required emergency and specialized care. The claim forms were straightforward and easy to submit. The response time was excellent. All in all, a great pet insurance program.
5

out of 5

POSTED: | BY: Barbara

Amazing service

I have insurance through ASPCA for several years, for my Spaniel of which (thankfully) i hadn't need to use until recently. My 11 year old Cocker Spaniel needed a few procedures done about 6 months ago. I was out of pocket for over $3,000; I submitted my claim - which is super easy to fill out. I received an immediate response, and the re-imbursement was direct deposited into my account. The system is so well organized, easy to use; and the staff at ASPCA have always been so lovely to deal with over the phone when I have had questions. Truly, truly worth it! I wish my own health care was this easy :-/
5

out of 5

POSTED: | BY: Cherri

Claims settled quickly & very helpful staff

Claims are normally settled within a week. If I ever have to call, the people are very nice & really helpful. They will take the time to talk to me to make sure my question is answered. I don't feel like they are trying to rush to get me off the phone like a lot of other places do. I have suggested you to some of my friends.
5

out of 5

POSTED: | BY: Beth

Excellent service.

I have had this policy on my healthy dog since we got her seven years ago. When she was diagnosed with a protein problem several months ago, we were amazed at how quickly the bills mounted up. Our ASPCA policy has been extremely helpful in offsetting the cost of her ongoing treatment and will continue to cover this issue in years to come. These caring people will call now and then just to see how she is doing. Payment is prompt and can be direct deposited. All in all a wonderful plan.
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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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