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.
4

out of 5

POSTED: | BY: ROSE POLIS

CHOOSING ASPCA PET HEALTH INSURANCE

Customer service was excellent and filing a claim online and direct deposit made things simple. Aspca has updated its insurance policy to include a special monthly fee for wellness visits. I thought this was a good idea. Where you live does play into what the insurance will pay back. If you live in a middle class or affluent area, vet prices are much higher than what the insurance base will pay.
5

out of 5

POSTED: | BY: Clyde Underwood

Great company. Made top noch health care available for my poor doggy

Very pleased with this insurance. Unfortunately my dog got sick and required several visits to the vet. This took all the stress out of the experience making sure my dog got the best of care. Reimbursements were made within 2 or 3 weeks which is fine.
5

out of 5

POSTED: | BY: ANDREW MARKS

Best insurance for your pets

I have used some other pet insurance products that did not cover things as needed. I have never had an issue with the ASPCA processing my claims for my cats.
5

out of 5

POSTED: | BY: Kay Krasovetz

Great job!

My claim was processed in a timely manner, thank you. Your reps who called to check on my dog were kind, considerate , and very helpful.
5

out of 5

POSTED: | BY: Anna M

ASCPA was the most Amazing five star Insurance I could of ever had for my dog!

I brought ASPCA insurance for my black pug Mollie in June or July of 2019. On January 10, 2020 I rushed Miss Mollie to the vet., she had a extremely low blood platelet count. There are many things that can cause this condition from Valley Fever, tick disease, regular shots for rabies etc., and cancer. She had to have many tests ran on her along with chest x-rays. Mollie also needed to see a internal specialist who ordered an ultra sound to look for cancer. She was lucky all of the serious things that were possible for her illness, it was only due to her recent vaccinations she had just received a week prior. She was put on high amounts prednisone and slowly tapered down over months. Miss Mollie had to have a CBC blood count every two weeks to make sure that her platelets were staying where they needed to be and not going back down as they decreased her prednisone. ASPCA paid for 90% of these bills with a $500 dollar deductible at the beginning of the year( over 3,500 dollars). She was getting better every day, but on March 03, she had to be euthanized because she was born with an abnormally small trachea which had collapsed on her. Again ASPCA Insurance came through... not only did they pay for the euthanization but also for her cremation. Then they even have special counselors to help you through the grieving process. I will always buy ASCPA Insurance they're the best!!!

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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