ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 22,535

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: Joy

Love ASPCA insurance

I have had my insurance from2017 to current. I love this company, when my dog was very young he was sick a lot and at some point was in the hospital for a week. ASPCA never question his stay or the procedures that were done and did what they could to reimburse me in a timely matter. Every claim I have sent for process has never been denied and if they had additional questions they reached out to the VET to clarify and then continued the reimbursement process. So happy that I have insurance. With my first pup I dd not and had absorbent amount of cash that was spent to treat various illness, accidents and finally his battle with cancer. I promised myself if I got another fur baby I was getting insurance. Thank you ASPCA. they keep in contact with you and advise if a slow down is occurring and that they work diligently to reimburse you. I scan claim, they responded and then once complete deposit the refund in my acct. xoxo
5

out of 5

POSTED: | BY: Donna G.

ASPCA Pet Insurance

I haven't had to use this pet insurance. Everything so far has gone very well.
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5

out of 5

POSTED: | BY: Junnette Schaeffer

Resolved my issues

Resolved my issues
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4

out of 5

POSTED: | BY: David Malinosky

Quick and easy

Quick and easy. But, somewhat too quick and easy. I'm not 100% sure my cats are covered and how to utlize the service.
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5

out of 5

POSTED: | BY: Debbie Zottoli

I have found that I have absolutely reliable

I have found that I have absolutely no problem with submitting claims online. Refunds come back within a timely matter just like they say. I have been very happy with this insurance company. Thank you.
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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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