ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: Richard Hall

My family and I finally got serious…

My family and I finally got serious about getting a dog, and i was recommended this pet insurance through my company’s supplemental benefits package. I am highly satisfied and recommend to any and everyone who takes their pets seriously.
5

out of 5

POSTED: | BY: Stephanie Taylor-Moynier

I am pleased to have insurance on my…

I am pleased to have insurance on my beloved babies
4

out of 5

POSTED: | BY: Squishy's mom

ASPCA Pet Insurance

I am so very glad that I signed up for ASPCA pet insurance for both of my cats. I appreciate the different deductible amounts you can choose from. I also applaud the ASPCA for not excluding pets when they become a certain age. ASPCA believes the care our pets need are the pet parents and the veterinarians decisions. Our cat Squishy became very ill recently and we have had many vet appointments. After our $500 deductible had been met, the insurance is paying 80% of her visits. This is helping out so much because I have had three pets that have been very ill and had no insurance. We had to pay thousands of dollars for care. She is very ill and I want to give her the best care. The claim forms are very easy to send, email, fax, or you can use their app. The claims were taking about three to four weeks to be processed, but the claims are being paid much quicker now. The wait times can be long on the phone, but I always leave my phone number. A representative always calls me back the same day and is very pleasant. Thank you ASPCA for helping our family give the best care for our amimals.
5

out of 5

POSTED: | BY: Sophie's Mom

Quick turnaround for reimbursement

Quick turnaround for reimbursement. I was able to get almost 100% of my wellness exam for my dog.

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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