ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,175

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: Paul

Followed Through on Their Commitment

I just recently signed up for ASPCA pet insurance, for the dog I got for my kids last year. I recently needed to take the dog to the vet for routine shots and an exam. I almost forgot to submit my claim, since I had never done so in the past, but luckily my wife reminded me. I'm glad she did because my claim was processed in less than 48 hours. I was very pleased with how easy this service was to use.
1

out of 5

POSTED: | BY: Lisa

Would not reccomend

They are very happy to take our premiums but not handle our claims. 4 requests for status and got the runaround they had not heard from our Vet. Nonsense, the Vet responded immediately.
5

out of 5

POSTED: | BY: Lori

Worth It!

I bought insurance for my lab when he was a puppy and started eating everything - it came in very handy for the times I had to take him to the vet with possible blockages. However, the real value for us has been the reimbursements on medications as Rambo has a form of seizures and takes medication for it every month. Anything to do with his illness is covered per the plan I purchased and it's easy to file the claim. I would recommend this insurance to anyone.
5

out of 5

POSTED: | BY: Lynn

Excellent customer service and coverage

Thank you for your caring and your followup on claims.
5

out of 5

POSTED: | BY: Gretchen

Ease of filing claims

My maltese was mopping around and stopped eating. He was just not himself. I took him to the vet and was told that he needed dental surgery but before he could get the surgery he needed to be seen by the cardiologist to see if he could withstand being put to sleep. I didn't have to worry about how I was going to pay for this because my Simon was insured with ASPCA Pet Insurance since he was 6 weeks. I contemplated several times on whether I should keep the insurance because I didn't use it often. My Simon is now 10 years old and I'm so... glad that I decided to keep it. Now that he is older, I feel at ease that he is covered if he gets ill and needs treatment. Thank You ASPCA for the ease of filing claims and checking in on Simon. That meant a lot to me.

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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