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.
5

out of 5

POSTED: | BY: Kerri Park

Affordable for Senior Pet

We've had insurance for 10 years through another company when this year they got a new underwriter who decided that my now senior dog's (12 years old) premium should go way up (over $80/month when we had been paying $20). I looked for another company and found ASPCA who had amazing prices even though my dog is a senior! I cancelled my other policy and immediately signed up for ASPCA. Within a month, our dog had an accident while playing in the yard that required minor surgery. Almost the entire bill was covered less the deductible. We are so grateful for this company and their willingness to affordably insure an elderly dog as well as their swift compensation for his surgery. Outstanding! I will be recommending to everyone I know!
5

out of 5

POSTED: | BY: Melissa

Fast and Efficient

Very quick and efficient. Love it and would highly recommend.
5

out of 5

POSTED: | BY: Mary

Peace

I have had my puppy since September 2016 and he has had his share of issues. So very thankful for my ASPCA pet insurance. It gives me peace of mind to know many things are covered. Customer service is always kind and helpful, claims are paid promptly. So very thankful for this insurance.
3

out of 5

POSTED: | BY: Sanford Garrett

You Don't Get What You Think

ASPCA pays 90% of the AVERAGE cost of treatment for the area in which you live. After submitting claims from 4 different vets in 3 different locations, I was displeased to find everyone of them was considered well above average. As a result, the payout was closer to 75% than the 90% I expected.
5

out of 5

POSTED: | BY: Don Cookle

Best Pet Insurance Available.

They are conscientious and empathetic towards owners and their pets alike. They settle claims with no hassle.
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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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