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: Mary

ASPCA - A Good Choice, 6/8/15

We are pleased we chose ASPCA Pet Insurance for our yellow lab Julie. She was about 4 years old when we got her. We knew we had to have pet insurance for her because of the health problems and expenses we had with our last lab. Soon after we got Julie and her ASPCA insurance, she developed serious ongoing ear infections. Regular vets were unable to help her. We finally had to take her to a Veterinary Ear Specialist. He sees and treats her about 2-3 times a year to control her ear problems. She has also had other health care expenses. It would be difficult for us to afford her health care without ASPCA Insurance. ASPCA is also very helpful and usually prompt in processing her claims.
5

out of 5

POSTED: | BY: Vickie

Kind and reliable.

All of the claims I have submitted have been handled quickly and fairly. They have paid what they said they would pay. When one of my dogs died, someone from their management called to see how we were doing. I thought that was very kind of her. She allowed me to share my grief over my lost pet.
5

out of 5

POSTED: | BY: Kisha

Excellent!!!

I am so happy that I have found aspca. Every claim has been handled in a timely fashion and the customer service is great!!!
5

out of 5

POSTED: | BY: Patricia

Good Insurance

My dog has been taken to the emergency clinic twice for intoxication and we have received good reimbursement from ASPCA. It's a quick and clear refund. I'm happy I have this insurance.
5

out of 5

POSTED: | BY: Diane

We're glad Stitch has insurance

Vet bills can be costly and insurance is costly as well, but when your pet is sick it's wonderful to have the peace of mind this policy provides. At least we know that some of our costs will be reimbursed.
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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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