ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,131

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.
1

out of 5

POSTED: | BY: Aaron Curtice

Never paid any claim

We bought our policy 3/3/23, our pet had urinary tract infections. They never reimbursed for anything. We had 3 claims for urine analysis and they didn’t pay any of them. The reasons on the explanation of benefits made no sense! The last claim filed shows denied because they don’t pay admin fees and was within 14 day of the new policy. This was aug of 2023, 5 months after we bought our policy. Calling in to them did nothing, we will look into it, never heard back. Then after denying every claim, they raised our premium $13.00!
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5

out of 5

POSTED: | BY: Carolyn Fisk

ASPCA is easy to use

ASPCA is easy to use. This was the first time I have had pet insurance, and I submitted my first claim on Zoey and it was easy and fast. I was so happy and pleased with the results.
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4

out of 5

POSTED: | BY: Sholonda Jackson-Jasper

The price was right and the pieces was…

The price was right and the pieces was simple
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5

out of 5

POSTED: | BY: Robert Kerr

Was recommended to me by a top mastiff…

Was recommended to me by a top mastiff breeder in my area and have had a dozen Rottweilers in the last 50 years never needed insurance but with prices today it sounded like a good deal
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5

out of 5

POSTED: | BY: Jean Mendez

Exceptional service

Exceptional service, prompt claim processing, and filing claims are very easy.
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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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