ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,144

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.
4

out of 5

POSTED: | BY: SYLLINA

Rates/coverage better than others

I shopped around and ASPCA had the best rates for the coverages offered. I enrolled on a Friday and didn't get my "welcome" email until several days later, even tho my credit card was charged right away. So I couldn't setup my online account to access my policy documents. (Not a good first impression). I ended up calling calling Monday and customer svc sent me an email to activate my online account. I must say the rep was awesome and prompt! I finally received my "welcome" email on Wednesday lol, but by then I'd already resolved the issue.
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3

out of 5

POSTED: | BY: Camille Rodriguez

Good coverage, slow processing

The coverage seems very good, my only issue at the moment is that the response time for processing claims is slower than I would have expected.
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1

out of 5

POSTED: | BY: vasil gankov

Takes too long for the policy to be…

Takes too long for the policy to be active.
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4

out of 5

POSTED: | BY: Steve McKoy

I just insured my little dogie boy Ochi…

I just insured my little dogie boy Ochi and I am happy with what I have read about ASPCA.
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5

out of 5

POSTED: | BY: Kenia Zanz

Just recently joined and am already…

Just recently joined and am already happy with service!
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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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