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: Ciara Ley

Great customer service

Great customer service! I used to have Pumpkin as my pets' insurance and they had the absolute worst customer service. They starting charging me more for my policies w/o notice, they had atrocious customer service that took forever and a year, and once while asking about a change to the policy regarding direct pay to vet, they gave me the policy number, told me to look for it myself and ended the chat. ASPCA has been beyond words so much more helpful, quick, honest, trustworthy, and reliable. Please do business with a business that truly cares about your fur babies.
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5

out of 5

POSTED: | BY: Erika Hoffmann

Sometimes they have tons of forms in…

Sometimes they have tons of forms in their queue, but they will get to them as soon as possible. And relay that info to you.
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3

out of 5

POSTED: | BY: Morton Levitt

Just got the policy

Just got the policy, so haven’t had to file a claim yet, so don’t know how easy or difficult that will be, nor do I know yet how forthcoming they are to pay a claim. The general policy is similar to all the others, with TONS of exclusions and restrictions, so don’t know if I threw out $700 or not.
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5

out of 5

POSTED: | BY: Gregory Burchett

Easy process of getting insurance from an organization I trust

The process of selecting and purchasing an insurance plan was so easy and there was a variety of coverage options so I felt I could pick out coverage that suited my needs and budget.
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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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