ASPCA | Pet Insurance Review

4.7

out of 5

Pet Insurance Reviews: 5,635
Trustpilot Reviews: 4,082

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.4
  • 4.7
  • 4.7
  • Count
  • 16
  • 78
  • 5,635
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 Sanders

The website was easy to use and gave me…

The website was easy to use and gave me all the information that I needed.
5

out of 5

POSTED: | BY: Sam G

Easy

Routine visits are easy to fill out a claim for. Claims have taken anywhere from 3-30 days to process. Major peace of mind when I had to make an emergency vet visit when Mr. Mitten came down with something. Only needed to worry about him and not the bill. Decent price per month for 2 cats. The website works better than the app. The app needs an update, as it barely functions.
3

out of 5

POSTED: | BY: Vicky Connor

It was easy to sign up for but I cannot…

It was easy to sign up for but I cannot log in to the portal to review anything
4

out of 5

POSTED: | BY: Jayla

……..

………………………..
1

out of 5

POSTED: | BY: michael F Denning

can't log in and forgot password…

can't log in and forgot password prompts go to nowhere

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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