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: DJM

Great Service

We had to make a few claims recently and I was pleasantly surprised by the claim service. It was easy to submit a claim the response was prompt and the representatives I did talk to were very helpful. I would definitely recommend this company.
5

out of 5

POSTED: | BY: Sue

Great Plan(s)

When we adopted our then 2 year old shelter rescue miniature poodle mix, Muffin, 5 years ago, nothing was available about her health history. We chose ASPCA and have been grateful for our smart choice!! When Muffin was attacked by a (?) in our fenced yard one nite, the surgery was expensive. Not only were we reimbursed quickly, but we received a phone call from ASPCA asking how she was. We have recommended ASPCA several times, and will continue to do so.
5

out of 5

POSTED: | BY: Judy

Service, compassion, and pay out were excellent.

My dog RV was very sick, not eating, throwing up what little he did eat and drink, lost 14 lbs, totally lethargic. His regular vet did all kinds of tests and thought he had lymphoma. Sent to a specialist. After many more tests and finally exploratory surgery, thankfully he was diagnosed with pancreatitis and inflammatory bowel disease. On meds and special diet and he's alive to share life with again. ASPCA not only paid their maximum amount for this huge bill but called to find out how RV was recovering. I was very pleased with everything.
5

out of 5

POSTED: | BY: Jana

cranial cruciate ligament rupture

Fortunately we have had insurance on our now 6 year old golden retriever for several years - Unfortunately we had to put it to use. This company & staff couldn't have been more wonderful, compassionate & helpful. The surgery was expensive and the vast majority was covered by the policy. My thanks and gratitude to all involved.
5

out of 5

POSTED: | BY: G.

Relief from high cost vet bill's.

As our beloved Buddy was getting older, we found out at a regular yearly check-up that he had developed prostate cancer and now must have regular monitored visit's. The insurance really help's with these cost's and make's taking care of him much easier, financially. Will never be without it in the future. Everyone we have spoken to over the phone has been very concerned and caring
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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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