ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Robin

Very efficient!

My 18 year old cat, Liza, was diagnosed with ulcerations in her eyes and pancreatitis. After all the testing and curing, the bill was overwhelming to me. I quickly submitted the bills that totaled about $2400 and I was pleased that ASPCA Pet Insurance was just as quick to pay on the claims. I was pleased that they have a direct deposit set up so that the money went directly into my checking account and I was able to pay the credit card company quickly. Plus, I received a call back from two ASPCA Pet Insurance staffers to make sure that Liza was okay! Thank you so much for doing what you do best!!!!
4

out of 5

POSTED: | BY: Joe

Reliable Insurance

We have had this insurance for our 2 dogs for over 6 years and have found it to be quite helpfull with their medical expenses
4

out of 5

POSTED: | BY: Adriano

Your best friend well being is a #1 priority

I have had ASPCA Pet Insurance for many years now, and whatever happens to our dog, the only thing we need to worry about is making sure she gets the treatment she deserves. All the claims we submitted along the years were processed fast and the refunds were very reasonable, according to what we have contracted. Great peace of mind.
5

out of 5

POSTED: | BY: Cheryl

Excellent Pet Insurance

Our older terrier mix got bitten by a copperhead snake nearSavannah, Georgia while we were on a road trip. It happened after dark, we were unfamiliar with the area and what kind of snake it was. Because we needed emergency services on a weekend after hours, we had to drive into Savannah 30 miles. Had they not administered anti venom, other intravenous fluids and monitored her overnight, we might have lost her. She was released the next day and has fully recovered.
5

out of 5

POSTED: | BY: Mimi

A welcome refund without any hassle

We have 2 elder cats who have had urinary problems, lymphoma, pancreatitis etc. and have carried ASPCA insurance for over 10 years to get some relief from the exorbitant veterinary bills. While we would have liked full refunds, which is an unreasonable wish, ASPCA insurance did cover some of the costs without giving us any problems.
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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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