ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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.
2

out of 5

POSTED: | BY: Connie

Initially I have not had any issues

Initially I have not had any issues. Claims were settled quickly. The first issue came when my pets neuter was not covered. I chose a plan that specifically covered that-and when it was time to use it -it's not in the plan anymore. I can't locate my policy coverage at all. Second-my dog had an accident. Hurt his leg while playing. Denied because they said it was an illness. He was healthy with no illness-he twisted his leg while playing. Third-I have a dog that passed and cannot find a way to remove them from the policy. When I call it says call back during business hours-but does not give any business hours. I am an insurance agent so am well versed in selecting coverage and policy language. I picked specific coverage for our needs and feel over the years the coverage has been changed and the information is intentionally made hard to locate. My policy renews in February and we will defiantly be reviewing under a microscope and possibly changing companies . I feel like what was a excellent service has become useless for the most part-but the fees keep going up. I may be better off saving the money for an emergency myself.
5

out of 5

POSTED: | BY: Jeff Riley

If you love your pets like family, having ASPCA in your corner is a no brainer

I’ve had my cats covered with ASPCA Pet Insurance for years, and I can say without hesitation that it was one of the smartest decisions I ever made as a pet parent. You hope you never need it, but life with cats has a way of throwing curveballs, and ASPCA proved their worth every single time. One of my cats unfortunately needed care more than once, and the policy stepped in exactly the way you hope insurance will. The claims process was straightforward, the reimbursements were quick, and there was never any runaround or surprise fine print. It just worked. What I appreciated most was the peace of mind. When you’re worried about your pet, you don’t want to also be worrying about whether you can afford the care they need. ASPCA gave me the confidence to get my cat treated right away, without hesitation. After several years with them, I’m still impressed. Reliable coverage, easy claims, and the kind of support you want when you’re dealing with something stressful. If you love your pets like family, having ASPCA in your corner is a no brainer.
4

out of 5

POSTED: | BY: Sarah Hernandez

Great service

Agent was polite and helpful. The agent helped me understand the process in a nonjudgmental way
5

out of 5

POSTED: | BY: Gary Burr

7 years ASPCA.

Have had ASPCA Pet Insurance for about 7 years for our Pug. Completely satisfied. Wish I could recommend my health insurance company as high!
5

out of 5

POSTED: | BY: Deanna Williams

The representative was able to explain…

The representative was able to explain everything to me, so I understood the policy for my new cat. He was very professional, friendly, and very knowledgeable.

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 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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