ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,085

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: Melissa

Wouldn't have a pet without it

We've had this insurance for more years than we've had our current pets who are 11 and 13. We've used it for everything from minor stomach viruses to major surgeries. Our 13 year old cat would not be with us today without this insurance. An indoor kitty who lived most of her life without incident or a claim became critically ill 3 years ago and we were facing $4000 worth of vet bills without insurance. There is no way we could have afforded the treatment if we had not had the coverage. Today, she is a happy, healthy 13 year old cat. Our lab is also thriving at 11+ due to the great health care she gets.
5

out of 5

POSTED: | BY: Andy

Best pet insurance available today

If you own a pet you need to have insurance for it.From a puppy that gets into everything it shouldn't to a grown dog or cat insurance is the best way to help keep your pet and yourself out of debt due to accidents that will most likely happen or illness that may happen.
5

out of 5

POSTED: | BY: Jenn

finally not completely broke after a visit to vet!

Great insurance to have, easy processing, helpful assistance over the phone, and refund straight into bank!
5

out of 5

POSTED: | BY: Patricia

excellent

My dog suffered meningitis and my ASPCA insurance has been a godsend! Easy to make claims and fast efficient service.
5

out of 5

POSTED: | BY: Pam

Efficient Reimbursement Process

Over the six years I have had ASPCA insurance I have made two claims. The most recent was for treatment for toenail bed squamous cell cancer and toe amputation. Filing the claim was easy and reimbursement was fast. I am pleased with the service.
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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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