ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,087

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: Kerry

Compassionate provider

We lost our sweet Riley at 14 years and 9 months on 2/25/22. We learned of his passing while away for a weekend. He slept peacefully and was found that way by my father in law during an afternoon siesta. ASPCA called to offer condolences and checked in to see how our family and other furbaby were doing within a few days. We have used this insurance for much of Riley's life and have always been satisfied, but this gesture, during a very difficult time, solidified why we will never go with another pet insurance. We have another dog and just enrolled our newest furbaby with insurance. Thank you ASPCA!
5

out of 5

POSTED: | BY: Maureen Obrienlaw

Very happy to join your family very…

Very happy to join your family very easy to look you up and sign up
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5

out of 5

POSTED: | BY: Raquel Beard

Easy claim process and response time is…

Easy claims process and response time is good. All online!
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5

out of 5

POSTED: | BY: AJ

Great experiences

I have been with this insurance for many years and have had first rate experiences
5

out of 5

POSTED: | BY: Janice Ecklund

Upfront I am pleased

Upfront I am pleased. Will know better going forward once I need to engage with a claim.
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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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