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: Braeden

Very Satisfied with Speedy Repayments.

We've had insurance for both dogs, and had no need to use until recently when Maddie developed two serious issues. The first was diagnosed as megasophagus (enlarged esophagus). Though this is considered a hereditary condition and not covered, we WERE partially reimbursed for diagnostic charges. Later, she chipped a lower canine tooth and extraction was approved. When the dentist got to work on her, he found another cracked tooth that needed to be removed. ASPCA adjusted their reimbursement to cover that second extraction. They have always paid on claims in a very timely fashion.
5

out of 5

POSTED: | BY: Dempsey

Proved it's worth

We have had insurance on our Anatolian for about 2-3 years now and he had a traumatic injury that has turned out really but we thank Hartville every day for their prompt response and payment which really relieves us. Service is MUCH better now that you can submit online for claims and track easily. Much needed and we are all appreciative.
5

out of 5

POSTED: | BY: Maryann

Excellent Service!

My poor Greyhound Gal had a broken toe accident while running like the wind. After two months and 5 doctors later - she is healed. I say 5 doctors because my initial vet wanted to splint her toe (bad idea because the Greyhounds don't do well with splinting AND she had a wound between the two toes). Another doctor in this practice wanted to amputate the toe! No way! Off to another practice who is much more experienced with the Greyhound breed. There was much concern about the wound becoming infected. It was a major challenge for the duration. ASPCA was wonderful with all the claims I submitted. Thankfully Gal is healed and still has all her toes!
5

out of 5

POSTED: | BY: Allison

Wonderful insurance and amazing people

I have had the insurance policy for the life of my dog and only in the last year have I had to claim anything. They made the process so easy in our time of stress and need. I sent my claims in and within the month I had cash reimbursement in hand. The best part was, every single time I called to ask a question or discuss something, the rep was so concerned with how my pup was doing and wanted an update regarding her condition. They seemed to genuinely care and were willing to go to the ends of the Earth to help me. Would definitely recommend.
5

out of 5

POSTED: | BY: Roger

Satisfied

Very satisfied with with way insurance claim was handled. Submitted claim and 5 days later fund was deposited in my account.
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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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