ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,091

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.
4

out of 5

POSTED: | BY: Oleg Livshits

The service was good and speedy

The service was good and speedy. They seem to really care for the animals they are taking care of. The only issue was that the prices are a bit steep. We rushed our cat over because he was unresponsive and we where worried about him. They did blood work and x-rays that they quoted me roughly $800. When I got a call back about the results being negative and keeping him over night for observation for a high fever the amount became between $2,200-$2900. I understand its a business and they need to make money, but that's a big leap. I appreciate the care and constant updates just wish they had affordable pricing.
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5

out of 5

POSTED: | BY: Evelyn Street

I should have gotten pet insurance a…

I should have gotten pet insurance a long time ago. I have yet to use this, but I know I will be reimbursed for money spent. I elected to get the care coverage that also covers routine visits and vaccines. I do like that I could choose the coverage and reimbursement rate.
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4

out of 5

POSTED: | BY: Susan Harrison

I am a new client with pet insurance…

I am a new client with pet insurance, and I have not had a claim as of yet. The reason I did not rate them 5 stars is on my first telephone call to them I was placed on hold for over 38 minutes, I finally hung up. 😐
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2

out of 5

POSTED: | BY: Nomad

Automatic payments is your only choice…

Automatic payments is your only choice I do not use a credit card for a one time payment so I’m forced to use automatic payment. That over drew my account without my knowledge. I put money down on my policy but it still asked for another payment so it tried to just take it from the account when I was paying it on my own.
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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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