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: Claudia

Was glad to find a plan that didn't require mortality coverage

Was glad to find a plan that would cover colic and accident without having to carry mortality. I am 70 and my horse is 19, I will not be getting another horse so the mortality is not important to me. I can cover the expenses related to his passing, but want to be sure I still have coverage for those ever surprising and costly expenses related to colic and accidents. This seems perfect for my current needs.
5

out of 5

POSTED: | BY: Daisuke Isoda

ASPCA stuff help a lot!

When I have question, they reply very quickly compare than other insurance company. It was so much help because I just moved in from Japan and I had many questions!
4

out of 5

POSTED: | BY: Anonymous

Manipulative sales tactic, nice website, too soon to review the coverage itself.

I initially researched the coverage online and decided what I wanted, then called to see if I could set it up to start at a later date than what I was offered online. Everybody on the phones were super nice, confirmed we could pick a date to start coverage, but I was immediately shuffled away from the product I wanted over to something that I was told is identical. If it's identical, including price, why can't I have what I wanted? It just weirded me out and seemed like a sketchy sale tactic, especially when accompanied by telling me about their own (supposed) pet and all the costly things that had come up, and didn't I want to triple my coverage? I ended up just waiting and making the purchase online by myself. Will avoid calling in the future, if able.
5

out of 5

POSTED: | BY: Lauren

The cheapest insurance I could find for…

The cheapest insurance I could find for my horse. Being a first time horse owner, having insurance for the unexpected is important to me. I love that mortality isn't a requisite for colic and accident. The only down side is that the site lacks so much information on what is and isn't covered. I haven't had to file a claim yet, so here's hoping that if/when I do, they'll not claim that this or that is excluded.
4

out of 5

POSTED: | BY: GJ.

The insurance appears to be potentially…

The insurance appears to be potentially a good and economic investment. Have not used it but have not received anything yet that I could present to a DVM clinic if I would have to use it.

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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