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: Carrie Fenner

Totally worth it

I pay $35 /month for peace of mind. That doesn't cover well visits or shots, but it covers everything else. My 2 yr old standard poodle developed thrombocytopenia right before Christmas, requiring an emergency vet visit on Christmas Eve and multiple tests to figure out why she was so lethargic and bleeding out of every orifice. We had already met our $500 deductible, so we were reimbursed 90% of the $3000+ cost. Submitting the claims is super easy and the reimbursement is direct deposited into our checking account in about a week. None of our claims have been challenged, questioned or denied. In a world in which dealing with big companies, insurance, etc typically means waiting on hold, being scammed and not getting what you paid for, it's been refreshing to have such a straightforward and easy experience with an insurance company! If only human insurance could be the same.
5

out of 5

POSTED: | BY: Jamila Gray

I would like to point out who I spoke…

I would like to point out who I spoke to over the volume was pleasant, sweet, and showed that this was not just her job, but her personality. The agent helped me register for the account online and it was a breeze, she was swift and to the point.
5

out of 5

POSTED: | BY: Helen Tinsley

First time

I've never had pet insurance before and your site made it easy to find information and to sign up
5

out of 5

POSTED: | BY: Zak Marsh

Excellent staff

Excellent staff, always kind and knowledgeable.
5

out of 5

POSTED: | BY: Autumn

So amazing!

Our two year old dog had to have emergency surgery after ingesting a foreign object. This was a very scary time for us, and thinking about the finances around this only added more stress. Immediately after the surgery we submitted our claim to aspca and they were so quick to process our claim and reimburse us the majority of the cost of the surgery. I cant say enough about how much this meant to our family to know that we could provide life saving surgery to our dog without the worry of being able to afford it. Thank you aspca for helping us to take care of our boy!

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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