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: Jenny

So easy and Sooo worth it!

After our first major vet visit with our dog we discovered ASPCA pet insurance. They came highly recommended by our vets office, and have been super easy to use from day one. Our breed is predisposed to many conditions and Cancers, and we have found they cover pretty much everything! Making a claim is super easy, and they are always prompt to reimburse us. Just recently our older dog was diagnosed with cancer. I called to discuss what was covered under his plan, and the first thing they did was comfort me. Ask how he was and walk me through the process. They even went over extras that are covered in his plan with end of life services. We got a puppy a couple of months ago, and the day I brought her home I called and added her to our plan. We get health insurance for ourselves, and our kids. Why not our pets?:)
5

out of 5

POSTED: | BY: Karen

Prompt payment

This was a no hassle claim process. My Yorkie became sick, my vet treated her and I submitted a claim with no hassles or hidden cost anywhere.
4

out of 5

POSTED: | BY: Marilyn S.

Quick response Cushings

I send in the claims and get very fast responses.
5

out of 5

POSTED: | BY: SAM DIMOFF

MIKEY

ALTHOUGH NOTHING MAJOR HAS OCCURRED, IT GIVES ME A SENSE OF WELL BEING KNOWING SHOULD IT BE NEEDED, MY PET 'MIKEY' WOULD BE COVERED IN AN EMERGENCY. NEVER HAD THIS WHEN I WAS A YOUTH, BUT AT 76 'MIKEY'IS SO VERY IMPORTANT TO ME I NEED TO KNOW HE IS COVERED. THANK YOU ASPCA PET INSURANCE.
5

out of 5

POSTED: | BY: Linda M.

Exceptional Service

My Lhasa Apso, Bailey, is a rescue. when I adopted him five years ago it was questionable if he would be able to be adopted. He had been doused in kerosene and set on fire and had many issues. On the day I adopted him I signed him up for ASPCA Pet Insurance and have never regretted the decision. I am pleased with the contract I chose and appreciate the claim processing procedure.

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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