ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,062

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: Wayne S

More Than I Could Have Asked For

I have bought pet insurance through ASPCA because I never wanted to hear from my vet that he has good and bad news, the good news being that he can save my pet, the bad news being that it will cost more than I can afford to spend. When needed, ASPCA Pet Insurance has been there for our cat, Helen, who is almost blind and between 12-16 years old, adopted from a shelter. Most recently Helen needed two stays at our local shelter, and the bills added up to over $5,000. ASPCA Pet Insurance more than met their obligation to us, and in a prompt and pleasant way. While my wife and I were prepared to do what we could to help our cat, who is doing much better now, it is wonderful that our insurer helped us deal with this crisis. Anyone with a pet, get pet insurance! Anyone getting pet insurance, get ASPCA Pet Insurance!!
5

out of 5

POSTED: | BY: Eva Wilson

ASPCA was there when I needed them, again Thanks

My baby got sick over might I called. his doctor got emergency appointment! Having ASPCA insurance help take pressure off of me dealing with not only his health but the medical prices, and a big thank you to Schelie calling me checking on my baby and sending a card meant so much to me because no one has ever done that before! She was so thoughtful!
5

out of 5

POSTED: | BY: N sleuth

Best pet insurance

The best pet insurance at affordable rates. The claim process was easy to follow and I received my reimbursement quickly. I'm happy I chose ASPCA over other companies.
5

out of 5

POSTED: | BY: aria j

With my giant breed dog, come giant vet bills

Wow I don't even know where to start. I have a purebred Great Dane and after he eat a cookie wrapper the vet bill cost me $311.00 that I was not expecting to pay. I asked the vets office who they recommend for insurance and they said ASPCA. That same day I called and purchased a policy and what a great move this was. I realized very quickly with a giant greed dog come giant bills. ASPCA has been an amazing insurance plan and heck my dog has better health care coverage that I do and at a fraction of the cost. You can't go wrong with these folks. Even signing up was a pleasure and the ongoing customer service is incredible. I just had an incident with my dog on new years day while I was out of town. Doggie day care had to rush him to emergency where a procedure was performed and Paws is doing great. It was very comforting to know that this insurance was in place and needed. The reimbursement was back in my account 1 week later. On behalf of my Great Dane, Paws, thank you ASPCA for taking great care of me. Have an awesome day.
5

out of 5

POSTED: | BY: David B

Friendly, Professional Pet insurance

One of the best pet insurance company by far, very friendly, efficient and professional. Our 10 year old Cocker Spaniel, Lab mix developed Pancreatitis over Thanksgiving. We were away from home and had various emergency treatments including ultrasounds, Xrays and a Barium wash, resulting in him being monitored for 2 days at the vet hospital. A very stressful time for us all. I filed a claim and within 10 days I received an email to say that our claim reimbursement was on its way. They were very quick to process the claim. They have even followed up with calls to make sure our dog is recovering well. Thank goodness we had insurance with ASPCA I would recommend using this company for all your pet insurance needs.

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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