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: Amey

I wish my insurance company for people is for my p

Whether it was Jelly falling and needing serious ligament surgery or for emergency blood transfusion because of previously undetected anemia, a diagnosis of chronic kidney failure which necessitated lots of lab work, and subsequent, ongoing treatment, or Max's serious flea problem, or reimbursement for Simon's routine check ups, ASPCA has delivered over and over again. They are very clear upfront and what is covered. I have use them for more than 10 years and I've never been disappointed. Without them my expenses were my one cat, Jelly, alone would've been $16,000 out-of-pocket. ASPCA consistently covers 80% of all my expensive. Truly a lifesaver! I recommend him highly
5

out of 5

POSTED: | BY: Donna

ASPCA pet insurance is awesome.

I have been with aspca for several years and they have been great. I'm very satisfied with the services I have been receiving. Due to my Pepper's condition, I have submitted at least two claims per month and I have received my payment within the same week my claim have been submitted.Thank ASPCA!
5

out of 5

POSTED: | BY: Marlene Byerts

claim satisfaction

i am very pleased with this pet insurance and your service.
5

out of 5

POSTED: | BY: Erin Hall

Worry free

I have been contemplating getting pet health insurance for years. After I spent $2000 on my dogs broken toe I thought it couldn't hurt. It has been amazing. My cat recently was diagnosed with cancer and it has taken all of the agony out of deciding what to do. It is no longer about the money but about my pets quality of life. I am so appreciative! It is so easy to submit a claim online and the reimbursements are so fast. Thank you aspca!
5

out of 5

POSTED: | BY: Kay Mc Occoquan VA

Pet insurance

So easy. You don't have to wonder what is covered and what is not. The Vet submits all of the information and paperwork and you just wait for the reimbursement to show up in your account. Someone always calls to follow up on the pet's progress and current condition. Very pleased with the customer service.

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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