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.
1

out of 5

POSTED: | BY: Dan

Do not chose aspca insurance

Please please do not choose this company. There are far better companies out there. This is not the ASPCA at all, it's an insurance company that uses there name and does not care about pets they care about getting your money and not paying claims. Their cheap plans don't cover anything and even their expensive plans are not great. You can get better coverage with these other companies for a better price so do your research. They pay usual and customary cost which is never even close to the actual cost. Trust me I've done my research and have had insurance with this company and you definitely want to chose another pet insurance if you want the best coverage for the best price without so many exclusions.
1

out of 5

POSTED: | BY: Dan

Do not chose aspca insurance

Please please do not choose this company. There are far better companies out there. This is not the ASPCA at all, it's an insurance company that uses there name and does not care about pets they care about getting your money and not paying claims. Their cheap plans don't cover anything and even their expensive plans are not great. You can get better coverage with these other companies for a better price so do your research. They pay usual and customary cost which is never even close to the actual cost. Trust me I've done my research and have had insurance with this company and you definitely want to chose another pet insurance if you want the best coverage for the best price without so many exclusions.
5

out of 5

POSTED: | BY: melissa focareto

satisfaction guaranteed!

my 4 footed bestie tore a ligament. She's 12 and acts like a 2 yr old so trust me when I say that this was very disturbing for her as she couldn't do a lot for awhile. I would do anything in the world for her which is why I have insurance on her to make sure she is taken care of by EVERYONE. I am not disappointed. This organization steps up to the plate when needed, in a very expedient manner. I proudly brag to all my furry friend owners about the ASPCA insurance. The expedient way they respond is, by far, the most heart warming feeling in the world!!
5

out of 5

POSTED: | BY: Elizabeth Rocco

Efficient, helpful and kind service.

ASPCA pet insurance was respectful and kind through a too short and painful battle with cancer for my sweet dog. They reimbursed us in a timely manner and were solicitous in every conversation when I needed to update them on her status. They were easy to deal with during a terrible ordeal.
5

out of 5

POSTED: | BY: Eugenia Miller

The BEST insurance for animals

I have used aspca insurance for many years for many dogs.. they earnestly care about your pet and are always willing to assist in any problem you might have.. this insurance has something for everyone and because I have always rescued my dogs they always came with health issues.. this insurance has saved my pockets and my baby's life by allowing me to continue with ongoing needed healthcare.. I always refer this insurance to anyone I meet in the vets office or the doggie park..if you compare with other plans ASPCA is the best..

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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