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: Olivia

Most amazing company EVER

We went back and forth about getting pet insurance because we were not sure if it would truly be worth it. When we finally decided to go ahead and do it, our dog was 5 years old. We have entered into this feeling so comfortable and happy bc we know any issues that arise as he gets older will be taken care of. He is our whole world and we didn’t want to not be able to cover all his medical bills as he gets older. We did a lot of research and ASPCA was by far the best in terms of reviews, bar none! Now, having been a member since Dec 2019, I can see why! I have never had such lovely customer service from ANY company in my life. They are timely, helpful, efficient, considerate, and of course HUMAN! No two hour wait times on hold here. Just since December they have covered $4000 worth of vet visits for us! (Surprise ACL surgery helped running up that tab!) Youwill not regret getting this for your pet whatsoever!
5

out of 5

POSTED: | BY: Michelle

Never had an issue!

Processing a claim is very easy. Low yearly costs for 90% coverage. Above and beyond! Highly recommend!
5

out of 5

POSTED: | BY: Jessica li

Great service

Great service
5

out of 5

POSTED: | BY: Roxann Garcia

So easy to make a claim and no hassle.

So easy to make a claim and no hassle.
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5

out of 5

POSTED: | BY: Kathleen Hamilton

Get Pet Insurance, it'll save you in the long run.

I am grateful for this kind of insurance, I wish I had gotten it on my older dog. I didn't because it didn't cover anything current, she had lumps and arthritis, so I figured it wasn't worth it..Well she has Cushing's disease now and I wish I had gotten it for her back when I got it on my pup..Get insurance on your dogs..I am satisfied otherwise and ASPCA treats us great!
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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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