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: Jen R

Affordable basic policy

This is a straightforward, basic policy that gives good peace of mind- my cat had an asthma attack and I needed to bring him to the animal ER. Knowing I may get some reimbursement is quite comforting, even with a basic plan. Being able to afford to treat my cat eased a stressful time. Plus, the online user interface is really easy to use.
5

out of 5

POSTED: | BY: Maggie

I'm glad signed up, everyone should.

I have a healthy mutt, so I got the lowest plan when she turned 5 just after a very expensive UTI. Then.. she torn a knee ligament. It was very pricey but of course her enjoyment of life was 1000% more important to me. At first I was expecting this insurance not to cover the max allowed - and I'd have to fight it, much like I have done with my own insurance. They DID pay the max allowed, THANKFULLY. So it really helped with the bills. They have been really great when you call them and communicative. Very nice people over the phone. Easy online center too.
5

out of 5

POSTED: | BY: Erin

Extremely happy with ASPCA Pet Insurance

We have had our puppy for only one year, but every claim we have submitted (and there have been several) has been reviewed promptly and partially covered. Representatives are helpful and coverage seems good. Would choose ASPCA Pet Insurance again if we get another pet.
5

out of 5

POSTED: | BY: Michael

Most Caring Insurance For Pets and Owners

The ASPCA Pet Insurance is the most caring insurance carrier around. As an employee who works for a health insurance carrier for humans, I see first hand how most insurance companies are a business. Most insurance carriers issue EOBs and post policies on their website, but the ASPCA Pet Insurance is the only insurance carrier to call and ask how your pet is doing. They refer to your pet by their name and follow-up after their claims have been paid. It shows that they are caring and consider your pet and you as a member of their family. Why go to a business when you can go to family? At the ASPCA Pet Insurance, they are your family. Great company and phenomenal benefits.
5

out of 5

POSTED: | BY: Edwin J.

Great Investment

If your pet is a family member the way mine is, this investment is worth every penny. Great, quick service and covering wellness stuff too!

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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