ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,059

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: Judith Laroche

Great and reliable insurance

I really like this insurance company. I submitted my claim on 11-20-2016 and received notification that the claim was completed on 11-30-2016. The deductible is only $100 per dog per year and I will receive 90% of my claim. I honestly wish that I could use this insurance for myself!! The process is very straightforward (only one page to fill out) and as noted above, I received my reimbursement 10 days after submitting the claim. I also like that a rep calls after your claim is processed to tell you that the claim is available and to ask how your dog is doing. The people at the company seem to have a genuine interest in the health of your dog. I HIGHLY recommend this insurance company to someone who needs affordable insurance for their pets.
5

out of 5

POSTED: | BY: Bernard

Rock Solid Pet Insurance

I have used ASPCA for the past four years and I have been really pleased. My pet Rock suffered two torn ACL's and the coverage and response was first class.
5

out of 5

POSTED: | BY: Linda Salley

Terrific Company

I've been very impressed with the way my claims are handled.It's very fast and when I have something I don't understand about Angelina's (my cat) policy, all my questions are explained to me which I really appreciate.
5

out of 5

POSTED: | BY: Al Nelson

Very nice to have for these furry family members.

Have had ASPCA pet insurance on my Cocker Spaniel "Maxie" for close 10 years. it has been invaluable to helping me take "worrying about cost" out of the equation when it comes to healthcare needs for my 14 tear old girl. When I got my other Cocker "Mindy" a few years ago I put it on her as well. As our pets get older, they need more frequent care, and checkups. It helps tremendously getting reimbursed for a good percentage of this care. The people care about your pets as well. They call from time to time to check on their condition. Maxie and Mindy are my "children", and their health comes first, and with the ASPCA pet insurance, the finances are a secondary concern.
5

out of 5

POSTED: | BY: Deb

Giving my elder pet a better life

My elder border collie not only is diabetic but needed knee surgery and cataract surgery. ASPCA insurance has helped with the bills, enabling me to provide a better quality of life for my dear companion.

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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