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: Donna Baldwin

After researching several Pet Health…

After researching several Pet Health Insurance organizations we chose ASPCA because of its Wellness Visit coverage and Accidents/Illness coverage . All the different choices were fully explained and it was very easy to "mix and match" the choices alllowing us to make the right decision for our new rescue dog . I found Customer Service Representatives ( when I needed to call with a couple of questions) to be very friendly , professional and knowledgeable. My emails were also answered promptly and in the same manner . Now that we have submitted our first claim for our first wellness visit , with the help I received earlier I found it to be very easy and quick . Reimbursement was incredibly fast with direct deposit . We would definitely recommend using ASPCA.
1

out of 5

POSTED: | BY: Erin Covert

Put your $ in savings

After I purchased the insurance, I called customer service to ask about more details and they informed me that because my senior cat is adopted and has almost no medical records, she probably wouldn’t be covered for treatment of any “preventable” diseases.
2

out of 5

POSTED: | BY: Adam

It has been over two weeks and no…

It has been over two weeks and no repayment yet.
1

out of 5

POSTED: | BY: S. Lu

Deceptive policy description re: "continuing care"

Investigate your entire policy carefully before signing, including any Endorsements added to the policy. "Continuing care" for a chronic illness means claims payout only up to a certain amount of coverage over a pet's entire lifetime. Deceptive advertising and scammy underwriting.
5

out of 5

POSTED: | BY: Migdia Chinea

I find ASPCA staff to be very…

I find ASPCA staff to be very cooperative and helpful. I recommend them highly. I have three pooches with vet insurance. Thank you so much!

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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