ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,064

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.
4

out of 5

POSTED: | BY: Shannon Andress

I have had great experiences with ASPCA…

I have had great experiences with ASPCA pet insurance. I never have a problem with claims being denied for no legitimate reason. They pay claims quickly. Customer service is better than other insurances I’ve had. I gave them 4 stars instead of 5 because the actual claim processing can be a little slow, and their monthly premium is on the higher side especially considering the somewhat low (not unlimited) annual cap. However, to me, the customer service and straight forward claims review process is worth the extra money.
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5

out of 5

POSTED: | BY: DeeTee

Excellent website experience

The coverage offered was explained clearly. The ability to "price shop" coverage was nice and easy.
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5

out of 5

POSTED: | BY: valerie solorio

Sign up was good

Sign up was good. Haven’t used the insurance yet so can’t say anything yet.
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5

out of 5

POSTED: | BY: Vicelia Rives-Johnson

It was easy to use and the price for my…

It was easy to use and the price for my pet was what I could afford to pay.
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5

out of 5

POSTED: | BY: JG

Reasonable rates, professional presentation

We have not made a claim yet but they are professional, sending the full policy by mail as well as on their site.
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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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