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: Kevin Funk

I will never use any pet insurance provider other than ASPCA. Period.

Last year, we had a young GSD pup named Goose who came down with a bizarre virus that ended up taking his life. Long story short, what we initially thought was an obstruction in his stomach, turned out to be a virus that spread from his GI tract to his lungs and after more than a week of ER care, the vets believed there was nothing else they could do - we had to put him down. While the decision was incredibly hard, ASPCA made it possible for us to pursue a cure to the very end and have peace of mind, after his passing, that we did everything we possibly could have to save his life. ASPCA's staff stayed in constant contact with me, offered words of encouragement, and always made it clear what they would need to process the near $15,000 dollars worth of claims we ended up filing. Once the claim was processed, we received our reimbursement shortly thereafter. It was a very tough time for myself and my fiancee and we will forever be appreciative of the way ASPCA and the ER veterinarians treated us. P.S. That was about a year ago to to the date and, recently, we welcomed a new shepherd into our home. After our experience with Goose, we knew exactly who we would be calling to insure our new pup. Our experience with ASPCA has made us life-long customers and as our friends start to adopt dogs of their own, we only have one recommendation to give. Thank you all so much!
5

out of 5

POSTED: | BY: Andrea A

Amazing! They are there when we need them for our fur babies.

I recommend that everyone has health insurance for their fur babies. They our your children too and you never want to be stuck making a hard decision on providing them the best healthcare due to your current financial situation. Aspca is the best like an extended family.
5

out of 5

POSTED: | BY: Juan

Recommended 100%

The service has been awesome
5

out of 5

POSTED: | BY: steve

Great customer service!!

Recommend you to anyone who is interested in pet insurance
5

out of 5

POSTED: | BY: Rosemary

Great customer service

Great customer service

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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