ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,136

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: Alexandra

Alright, still worth it though

While I do wish that they raised their coverage costs for my area, the claim process was quick and satisfactory. My only gripe is that when my pet needed emergency surgery, they said they cover up to $3,000 per incident. However, once they went through the itemized bill, there were a number of list items that are flat out not covered. In addition, some of the line items were considered above average price, and only received reimbursement for a portion. All in, the surgery cost around $4,000 and I received $2,400. I will give them significant credit for excellent customer service and a speedy and painless claims process.
5

out of 5

POSTED: | BY: guy

re-assured

I have never been more satisfied by any decision in my life as I am of taking pet insurance from the ASPCA.
5

out of 5

POSTED: | BY: Cristina

Excellent

The claims were handled in a timely manner. Excellent customer service
5

out of 5

POSTED: | BY: Ellen

Outstanding Company

Over the past several years we have insured all our dogs with ASPCA Pet Insurance and they have consistently provided outstanding customer service. ASPCA Pet Insurance has assisted and supported us through illnesses and accidents so that our dogs receive the best possible medical care. The staff is genuine, kind and caring.
5

out of 5

POSTED: | BY: Frank

Our claim was quick and easy

Our dog needed an MRI and after sending in the receipts, ASPCA quickly paid our claim. Seemed pretty easy to me. I only wish they had higher limits and coverage for conservative management options, instead of only surgery for ACL tears.
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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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