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: Lisa Forlow

Great Customer Service and Quick response

I have only had this insurance maybe 6 months. My dachshund ended up having a bowel obstruction and needed life-saving surgery. I was able to borrow the money to pay the surgeon and then receive payment from ASPCA Insurance within 10 days of claim allowing me to immediately pay back everyone who assisted me. When the blockage was discovered he had already been to the vet for treatment earlier, at that time the blockage wasn't found. ASPCA Insurance made sure that both claims were handled together so that there was not an additional deductible applied. They were so wonderful throughout the process and even called to see how Max was doing after the fact.
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3

out of 5

POSTED: | BY: James S

Average, but better than nothing

Fortunately, our young dogs are healthy and don't require many vet visits for things other than wellness. The wellness coverage could be a bit more in my opinion.
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5

out of 5

POSTED: | BY: Robert

customer service

Thank you for the coverage and claims handling for my dog, Bruce. Your care and follow-up is excellent.
5

out of 5

POSTED: | BY: Mike

Best decision we made after adopting our puppy

We have a puppy that likes to get into things and is allergic to a lot of foods, just like everyone else's puppy, and so we decided it might be a good idea to get insurance at the end of the year last year. And sure enough Lucy, got sick 2 times in a matter of 2 weeks and had lots of vet visits and medicine and treatment. Without insurance it would have been a nightmare financially. The ease of making claims digitally and the speed in which it is processed is mind boggling. Maybe ASPCA should take over all healthcare! Also the personal follow up on Lucy was the cherry on top. Thanks!
4

out of 5

POSTED: | BY: Yeny

Outstanding

I feel so lucky to have my dog insured through Aspca pet health insurance, anytime my fur baby gets ill I take him to his regular vet and I can file the claim as soon as we are done with the vet visit and they take care of my claim quick. Thank you Aspca on behalf of my family for doing a good job
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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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