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: Lisa Fair

ASPCA Top Notch in Pet Insurance

I am incredibly pleased with ASPCA pet insurance and recommend them to everyone I know getting a new puppy. We had quite a few bumps and bruises along the way when our puppy was young and the ASPCA was incredibly helpful and accommodating with our insurance needs. We literally had thousands and thousands of dollars in veterinary bills and because of our plan we were only responsible for the first $500. They are quick to process and reimburse you for your claims and even make follow-up calls to check to see how your puppy is doing. I could not be happier with the quality service I have received from the ASPCA.
5

out of 5

POSTED: | BY: James Mazzoni

They have paid and honored their policy…

They have paid and honored their policy and I am grateful.
5

out of 5

POSTED: | BY: Karen Leach

Very good company and quick payment of claims

Quick service, good company to work with.
5

out of 5

POSTED: | BY: Steven

Peace of mind for puppy parents

I debated whether or not to get pet insurance and decided that if anything awful was to happen, I didnt want to worry about being able to afford a vet visit. As first time dog owners, my girlfriend and I have benefited from being able to put our dogs health first. I looked at multiple different insurance companies, and ASPCA gave me the best combination of options/price for coverage. Submitting the claims online is as easy as uploading a picture of the invoice, and the explanation of benefits and direct deposit reimbursement were clear and easy. I know that sounds like a paid ad, but my dog had to have xrays because she ate rocks (we didnt know that prior to the xrays), she broke her tail wagging it on a metal fence (2 vertebrae amputation followed by 6 weeks of bandage changes), and if we can get her to 1 year old without eating a whole sock I will be thrilled. I have used the insurance and it allowed me to tell my girlfriend to take our dog to the vet, when I was out of town, jst because she felt she was acting strange. I have spent more money on this dog;s medical care this year than I have on my own, but the insurance has helped cover that.
5

out of 5

POSTED: | BY: Donna Dugo

So glad I got this insurance for my…

So glad I got this insurance for my dog. A family member convinced me to go with ASPCA. When you bring home a puppy you don't think there would be a need for a young dog. Never believe the worse can happen. It did for me. My Jaxon a one and a half year old saint Bernard was diagnosed with bone cancer, rare in a young dog. No cure, no remission. Without this insurance I would not be able to give him the quality of life he deserves for the short time I have him. Claims are processed quickly and money is deposited in my account. One less thing I don't have to stress about. This is a very very hard and sad time for me. So please get this insurance for your loved ones.

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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