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: Erin Swanson

Unexpected vet bills

Recently, my 5ish year old dog started having pain in her left eye. I took her to our local vet who diagnosed her with glaucoma and sent us home with meds. After a follow up visit, it was decided that she needed to see a specialist. Unfortunately, the specialist determined that she had lost vision in her left eye. Other than the vision loss, she is in perfect health. I submitted my bills for all visits. After a short period of time, all claims were approved and I received a check for the majority of what I paid out of pocket (minus deductible). The process was quick and easy.
5

out of 5

POSTED: | BY: Mary Ann Greene

I am very happy with choosing ASPCA Pet…

I am very happy with choosing ASPCA Pet Health Insurance for Heidi. She was acutely ill & needed to be taken to a Pet ER. My husband was shocked with the charge. I submitted the claim to ASPCA. After taking out the deductible, 80% of the claim was reimbursed to me. Heidi had to follow up with her vet since she had lingering symptoms. I submitted that claim that reimbursed at 80% to me. The speed that the claims paid were unbelievable. I was reimbursed within 2 weeks. Submission of the claim is simple. One takes a picture of it on their phone & submits it. A brief explanation of the illness is enclosed on the online form. I am very satisfied with the ASPCA Pet Health Insurance.
5

out of 5

POSTED: | BY: Hollis Fullilove

Very Knowledgeable and helpful

Very Knowledgeable and helpful
5

out of 5

POSTED: | BY: Kristijana Paravinja

So far so good

I love the insurance for my pet thank you so much for helping me with the insurance for my pet i my saved me a lot of money and easy to use
4

out of 5

POSTED: | BY: Yolanda Matias

I am very happy with the coverage

I am very happy with the coverage. Hoping not have any problems. I need a copy of the policy or if you can send me any papers showing the inf of the insurance

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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