ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,057

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: Donna Little

ASPCA website is easy to navigate.

ASPCA website is easy to navigate and sign up for different Coverages. I have had one Cat for five years with the company and they have been great on the reoccurring cost of an ear infection!! Monthly payments are minimal. I just adopted a four month old Kitten and just enrolled her on a new plan.
5

out of 5

POSTED: | BY: Russel Clark

Easy use

Submitting a claim was easy and straight forward. Also quick action in finishing the claim
5

out of 5

POSTED: | BY: Katherine Dinda

ASPCA PET INSURANCE IS FANTASTIC

ASPCA PET INSURANCE IS FANTASTIC. The APP easy to file the claims. They always have my babies best interest at heart.
5

out of 5

POSTED: | BY: Francine

very good service

i’ve always been very happy with the ASPCA services and that is why I continue to use them for my new pets. It is easy to communicate with staff and prompt responses are always received.
2

out of 5

POSTED: | BY: Connie

Initially I have not had any issues

Initially I have not had any issues. Claims were settled quickly. The first issue came when my pets neuter was not covered. I chose a plan that specifically covered that-and when it was time to use it -it's not in the plan anymore. I can't locate my policy coverage at all. Second-my dog had an accident. Hurt his leg while playing. Denied because they said it was an illness. He was healthy with no illness-he twisted his leg while playing. Third-I have a dog that passed and cannot find a way to remove them from the policy. When I call it says call back during business hours-but does not give any business hours. I am an insurance agent so am well versed in selecting coverage and policy language. I picked specific coverage for our needs and feel over the years the coverage has been changed and the information is intentionally made hard to locate. My policy renews in February and we will defiantly be reviewing under a microscope and possibly changing companies . I feel like what was a excellent service has become useless for the most part-but the fees keep going up. I may be better off saving the money for an emergency myself.

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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