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: Amanda

Essential!!! Very thankful I purchased through ASPCA!!!

I am so thankful that I purchased this insurance with ASPCA! It really helped with some of the initial vaccination costs, etc., but was a lifesaver when my tiny toy poodle ended up overnight in the emergency animal hospital. I have always had a very easy time submitting my claims through the app, and it was very too easy to submit the large claim I had with the ER. They pay the claims very quickly, directly into your account, and I have always been able to find help online or over the phone! I will definitely be renewing my policy and purchasing the same for any other pets in the future! They pay claims very quickly, directly into your account, and I have always been able to find help online or over the phone. I will definitely be renewing my policy and purchasing the same for any other pets in the future!
5

out of 5

POSTED: | BY: Bryan

Great service and fully automated

Super easy to use, fully automated.
1

out of 5

POSTED: | BY: Davida Shevitz

ASPCA Health Care Insurance ROCKS..

I have been an ASPCA Pet Health client for many almost 13 years, covering three dogs. I am so grateful for your coverage, and the rapid attention my claims have received. Over the 13 years I have been involved with ASPCA Pet Health Insurance, I have unfortunately lost two of my fur babies, to sudden and fatal illnesses, and your agency not only responded rapidly to my claims, I received the kindest and most thoughtful messages of condolences for their loss. I am and will be an ASPCA Pet Health Insurance client or life; as there will always be a fur baby ( or 2) in my life and they deserve not only the best Veterinary care, they deserve wonderful health coverage. Thank you for all you do. Regards, Davida Shevitz
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5

out of 5

POSTED: | BY: Alison M.

I can not say enough good things

I can not say enough good about ASPCA pet insurance. If I email I receive an email back within a day. If I call the service is always friendly and all my questions get answered. My 2 dogs Lucky and Luna are on plans. I called to ask about Luna and they asked how Lucky was doing. I just think that is so wonderful. Quick turn around time on reimbursements. The app works great even online website. I like that it updates with the claim file process and I get email updates which makes me feel that I have not been forgotten. Very pleased and worth the money.
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5

out of 5

POSTED: | BY: Jenn

Reliable claims

Reliable claims, fast and affordable.
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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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