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: Brenda

Awesome Pet Insurance

I have been using ASPCA pet insurance for three years now. I cannot say one bad thing about them. This review is in general because I have utilized it over and over for my cats - 10 year old and my two 2 1/2 year olds. I adopted my 10 year old when he was 8 and added him to the insurance and there were no issues whatsoever, which is great because I had no idea of his medical condition for his first 8 years. It gives me great peace of mind to know that I have great medical insurance for them. I have recommended ASPCA pet insurance to many people and will continue to do so. Thank you for helping me provide my boys with the best medical care possible!
5

out of 5

POSTED: | BY: The

Thank you, ASPCA pet insurance !

We insured our newly adopted puppy at my mom's suggestion- just in case! Turns out, our little darling in a rock eater. This is a very expensive proposition. Thank goodness we have had her two surgical claims paid by this insurance. They are very nice and call to check on her after her surgery, too.
5

out of 5

POSTED: | BY: Alma

This insurance has been the best decision I made

My dog was hit by a car, he went thru back surgery with a 50/50 that he my be able to walk. My claim was handle with no further questions and this help the painful situation.
5

out of 5

POSTED: | BY: Tiffany

Accident

My lil girl got attacked by a larger dog; I rushed her to the er and they were able to help her. What I didnt expect was the rather large bill associated with it. ASPCA was able to save me around 50% on those bills...which is better than nothing. Aspca followed up and gave excellent customer service. Glad I switched from VPI
5

out of 5

POSTED: | BY: Nova

Pet Insurance is a Lifesaver

My Golden Retriever Lacie swallowed a rock in April. If it were not for Aspca, and Carecredit, I don't know what I would have done. The pet hospital's bill was over $2000. The Carecredit gave me the option pay the hospital up front, and Aspca paid 80% back to me. So I was able to pay the bill. Then aspca, and the animal hospital called me to check on Lacie. It was so nice to have someone care about what I was going through.
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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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