ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,064

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: Judy Hernand

this is my first time ever having pet…

this is my first time ever having pet insurance. My dog had to have hip surgery, because her hip got dislocated and I was in a panic due to the hospital costs, etc... I am still going through this process, but at this point they cam through and paid there part of the surgery cost, I was so relieved with no hassle. I am now in the process of having to send my dog to Physical therapy, which is very, very, expensive and I was afraid of the cost and coverage, The agent explained that they also cover that part of the treatment. All the agents I have dealt with so far have been fantastic. If they follow through with part II of this surgery procedure regarding the P.T. part. I will not be able to thank the pet insurance company enough, and I will be advising all my pet friends to look into having pet insurance. Today's situations and cost , it is all most mandatory to have insurance if you are going to own a pet. I will also be recommending ASPCA pet insurance to my friends.
5

out of 5

POSTED: | BY: ticmanagain

My Harlequin Great Dane …

My Harlequin Great Dane Had liver cancer. She was only 3 and 10 mos. when it was discovered. She did not make it to her 4th birthday. ASPCA Health Ins. covered all her vet bills quickly and completely as I had selected in her coverage. Losing a young beautiful dog was difficult, but their handling of my claims did help with m coping with my loss.
5

out of 5

POSTED: | BY: Selana

We were off to a rocky start with this…

We were off to a rocky start with this company initially, but it's been worth it all the way. I had a scare with my dog when she got a sprain and immediately bought pet insurance--so glad I did! ASPCA even covers dental care and preventative care. I wish I'd signed up sooner because it has more than paid for itself already!
5

out of 5

POSTED: | BY: Sandra McCray

Claim your money the easy way

Very easy to work with. All my questions were answered completely. My benefits were paid in a short amount of time and I was very satisfied with how they handled my claim. They even called to see how my Lexie was doing.
5

out of 5

POSTED: | BY: Stephanie

Fast reimbursement and great coverage!

Fast reimbursement and great coverage!

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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