ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,090

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: Donna Hofer

I cancelled another pet insurance…

I cancelled another pet insurance policy due to their handling of my claim. My dog had 2 ear infections in 15 months and they refused to pay for the 2nd infection - stating it was a "pre-existing" condition. I work in the medical field and understand the true concept of "pre-existing" (which is a chronic, incurable disease process). Ear infections are acute. Anyway, I chose to switch to ASPCA because their "Pre-existing" clause was a little better - 180 days vs ANY medical condition in the past. I believe in ASPCA and all the wonderful things they do. I haven't had to file a claim yet but I am hoping it will be a smooth process.
Read more on Trustpilot
5

out of 5

POSTED: | BY: L.A

We made the mistake of not having pet…

We made the mistake of not having pet insurance when our last dog Bowie got sick required thousands in surgery. After he passed we vowed to put any other fur babies we had on insurance and we are very glad we did. It’s been well worth the piece of mind.
Read more on Trustpilot
3

out of 5

POSTED: | BY: Terri Bivens

What to do now?

I just took my dog to the vet and now I don't know what to do. I am waiting on some guidance, as I don't know where to send the copies for reimbursement???
Read more on Trustpilot
5

out of 5

POSTED: | BY: Stephanie Garnett

I was so happy that your customer…

I was so happy that your customer service representative was able to fill out my application. As a senior and sight as goo as it use to be without an computer knowledge, this was a blessing! Also not sure if that was her title,but she is a winner in my book
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review