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: Sandra Dioli Kumm

Major surgery and no headaches!

Had plan for 9 years and was able to really take care of my Oliver when he needed a knee replacement and ongoing shots. The ease of use and customer service was exceptional, especially when I had to cancel the plan when Oliver past over earlier this year. They were so kind, sympathy note and followup call was greatly appreciated. I just enrolled Gulliver due to the wonderful care and service, they even gave me a returning member discount! Totally recommend if you love your pet and want to make sure you can meet the escalating cost of vet bills.
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5

out of 5

POSTED: | BY: S. Lu

Fast and fair claims processing

Fast and fair claims processing; great customer service; easy-to-use website.
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5

out of 5

POSTED: | BY: Wenxuan Cai

I can't be happier about the ASPCA pet …

I can't be happier about the ASPCA pet insurance. My cat recently had a fracture in his canine and had a dental that cost over 1000 dollars. I was surprised to see ASPCA had 90% of the cost covered. It is truly an amazing and professional insurance company and the staff also called to to ask how my cat recovered from his surgery. It was very sweet.
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5

out of 5

POSTED: | BY: Laura Doughty

Excellent service and peace of mind

Excellent service and peace of mind. Just wish I'd have put all of my pets on the policy.
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5

out of 5

POSTED: | BY: Larry Gold

So far so good with the aspca insurance …

So far so good with the aspca insurance the minor claims have been handled with care and understanding with a clear reason why certine claims and are not covered . Seems to be a fair health ins for animals if you are looking for pet insurance !
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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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