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: Barbara Sturgill

I love the insurance you provide for my…

I love the insurance you provide for my pet. Just wish claims processing was a bit faster.
5

out of 5

POSTED: | BY: Rachel Hoang

thank you ASPCA

I’ve had nothing but a positive experience so far with ASPCA. It’s a little pricier than other insurance companies, but recently my pup had to get surgery on his paw. It’s been such a stressful situation, with us having no idea why he started to limp one day. With xrays we found out he had been born with a birth defect that gradually caused him to have pain while walking. With covid, I’m unable to work full-time and on a limited budget. I didn’t know if I’d be able to afford his surgery. But after submitting an estimated invoice, ASPCA said they would reimburse us for his surgery. I’m am beyond thankful for their service. They helped relieve some of the stress that has accumulated during this hard time for us and I am so grateful! We will be sticking with ASPCA, because I truly believe they care for animals and their owners.
5

out of 5

POSTED: | BY: Valerie Christie

Thank you for your time getting…

Thank you for your time getting paperwork done threw this times
4

out of 5

POSTED: | BY: Kristen

Great insurance company

I have been very satisfied with my decision to get ASPCA health insurance for my dog. At first many people told me that I don't need to bother with pet insurance. In the beginning, I was a little disappointed in the amount I got back for certain routine but necessary appointments, such as check ups and shots, which is why I deducted two stars and gave 8/10. That could be because of what level of insurance I purchased. However, in the last 2 years that I have had my dog, when she has gotten sick or hurt, my insurance has typically covered a majority of the expense, which has been a lifesaver for me. Also, the app is very easy to use and customer service is great, so it's never hard to get information or understand what is going on.
5

out of 5

POSTED: | BY: Steve Manocchio

100% Worth it - Highly Recommend

We adopted a French Bulldog Puppy in Feb. 2018 and signed up for this policy on day 1 of our adoption. Owning a French Bulldog comes with it's challenges from a health perspective and we knew we wanted the security of knowing that we were engaged with an insurance provider willing to do what is right to support the health and well-being of our furry child. This policy and ease of use has been exceptional. We have had multiple matters arise with our Frenchie from dietary matters, GI issues, eye problems and the like that arose - candidly say that this insurance program supported us each step of the way and we had the security of them backing us up. Would highly recommend this policy to other pet owners as it helps us sleep at night knowing if anything does happen, our little guy will be well cared for.

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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