ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Socrates' Mommy

When you get a rescue

When you get a rescue, you get endless boundless joy and love. When you get a rescue, you don't get family history, personality traits, or list of allergies, but that's ok, because we got ASPCA Pet insurance. Getting Socrates was the best decisions I ever made. Choosing ASPCA pet insurance was the best choice for us. Seasonal allergies, ear infections, joint medication, and an adverse reaction to medication(that was scary mostly for mom not him), ASPCA helped us every time. Filing a claim has never been easier. Simply put ASPCA pet insurance provides peace of mind so we can focus on staying healthy, active, and wagging.
4

out of 5

POSTED: | BY: Stephen Bailey

Works for Me

Decently fast response time and reasonable payout. Haven't had any major health problems with our cat yet, so can't comment on how it goes for that. Would recommend.
4

out of 5

POSTED: | BY: Adrienne

Paralyzed dog 10 days after purchasing insurance

My dog had a crazy, unexpected accident about 10 days after we purchased insurance. She burst a spinal disk and we had to take her in for an MRI. The process of reimbursement was easy, quick and simple. We paid out of pocket and were reimbursed within two weeks.
5

out of 5

POSTED: | BY: Pat

Great insurance

Great insurance, and great people that work there,so glad I have it ,my Cat is 9years old,and the first time I had to use the insurance.and good outcome, would recommend and have recommended it too friends.My Mickey cat it's good now. Thanks
5

out of 5

POSTED: | BY: kara comerford

excellent pet insurance wud recommend highly

this has been the best pet insurance ever with no hidden bs like others i have joined...love the insurance and the customer service is excellent...would and have recommended this insurance to every pet owner i know!!!!!!!!!
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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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