ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,092

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: Susan Batai

Thank Goodness for this pet insurance

I placed insurance on both of my toy Yorkshire Terrier and very glad I did. My Porter somehow cut his left eye cornea and he almost lost his eye at 18 month old. Thanks to an animal eye specialist we were able to save it. Thank goodness for my insurance. They saved me hundreds of dollars. I was sent 80% after $500 deductible and that was god sent. ASPCA was timely in processing my claims and was not difficult to file plus they direct deposited the money into my account. I will continue with my coverage and have recommended this company to several of my friends.
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3

out of 5

POSTED: | BY: JB

The offering is OK given the cost

The offering is OK given the cost. Looking at the invoices we've received on our dog, the reimbursement is lower than the actual cost, and in the case of the spaying, significantly less. The items we can claim do not seem to cover all the the usual conditions applicable to a pup.
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4

out of 5

POSTED: | BY: Handy Customer

Prices and coverage excellent

Prices and coverage excellent. Transferred another pet to it
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3

out of 5

POSTED: | BY: Ted Winkelman

LOOKING AT WHAT YOU COVER AND WHAT YOU…

LOOKING AT WHAT YOU COVER AND WHAT YOU DON'T COVER, I AM WOUNDING IF WHAT IT SIGNED UP FOR WAS WORTH IT. YOU SAY WHAT ;YOU DON'T COVER WHICH IS MANY PAGES, YOU DON'T SAY WHAT YOU DO COVER NOT IN ONE PAGE. I GUESS IT IS GOING TO BE A CRAP SHOOT TO SEE IF MY PET ( WHICH IS A OUR FAMILY MEMBER) IS GOING TO BE COVERED IF I SHOULD NEED YOUR HELP.
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5

out of 5

POSTED: | BY: Natasha Menendez

Amazing

Amazing! They are so kind and a great insurance. After my kate passed away they personally called and gave their condolences. It's nice to see how they care.
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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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