ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: Penny R.

I am so thankful for ASPCA Pet Insurance!

I have ASPCA Pet insurance for both my dogs. Recently one of my dogs became very ill and I was at my vet or the emergency vet 2-3 times a week. It turned out she had a rare kidney infection and is now doing much better, but the testing and vet bills really added up quick. ASPCA handled my claims quickly and I received payments on some of the larger bills in just a few days. It was a blessing because those funds were needed for her continued care, since this was an issue that took a couple months to diagnose and clear up. It is also very easy to submit the claims on their website. It only takes a few minutes. I really appreciate ASPCA being there for me.
5

out of 5

POSTED: | BY: Jane Papadopoulos

Excellent service

Filing claims are easy and payment is very prompt. I recommend
5

out of 5

POSTED: | BY: Melissa Filek

We swear by ASPCA Pet Health Insurance and think they're the best, easiest, fastest, and most thorough company to work with! #1!

ASPCA is the best pet health insurance around. They are easy to work with and the reimbursements are always fast. I can take a photo of the vet receipt, upload it to the app on my phone and the payment gets direct deposited into my account within days. Easy process, competitive rates, and customer service is great to deal with when I have to. ASPCA has saved me SO MUCH money in vet bills. My dog has had to bladder stone removal surgeries, two abcessed tooth removal surgeries, two knee replacements, and arthritis. It's a blessing to know I can approve all the costs and not worry about racking up credit card bills when these accidents and illnesses happen.
5

out of 5

POSTED: | BY: Rita Chietera

Thank you to everyone I have had the pleasure of working with for their knowledge, the ease of handling the claims.

It has been a pleasure working with ASPCA Pet Health Insurance. Every customer care representative has been very knowledgeable, courteous and patient with all my questions. The claim process is very easy and the return time fast. Again, thank you.
5

out of 5

POSTED: | BY: Allan Lippolis

Easy to work with and easy process.

The process to place claims is easy and the people are informative and very polite. Very nice to do business with them.
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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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