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: Mario

Pleasantly Surprised Customer

We were very pleased with your customer service people who were very helpful and caring through this stressful process. I mean of course the (financial stress) and submitting claims and understanding how and when you will get reimbursed. Our Athena's surgery was over 4K that's a lot of dog food and of course we were so worried about her health, but without ASPCA insurance it would have been very difficult for our family to afford her care. We appreciate your exceptional service and I would highly recommend ASPCA to all animal lovers!
3

out of 5

POSTED: | BY: John Ralston

Claims processing is a little slow.

Claims processing is a little slow.
3

out of 5

POSTED: | BY: Kim Carpenter

It takes too long to either get…

It takes too long to either get approved or denied.
5

out of 5

POSTED: | BY: Marianne Boyle-Croke

Happily surprised!

Oh course you take your dog to the doctor if it's sick, without thinking about the cost. I'm very happily surprised when I filed the claims, not thinking about what or if I would get any money back. Then I did get money back. Thanks to the ASPCA Pet Health Insurance. My dog Ginger is happy and health. I renewed for another year, better safe then sorry.
5

out of 5

POSTED: | BY: Jeffery Perkins

We have tried other pet health…

We have tried other pet health insurance for our daschound, none lived up to this company's standards. Reimbursement for services is always fast, with no disputes or delays. Recently our pup required spinal surgery, very common and heredity problems with the breed. After contacting customer service, who expedited our claims due to the circumstance, we received reimbursement for the emergency services and approval for the estimated amount of her Neurosurgeon. We have found much needed peace of mind being able to respond to veterans who come in and are reluctant to give their evaluation due to the known costs associated with whatever problem that they can preform whatever treatment needs to happen because she has health insurance. And every Veterinarian has agreed that this plan is the best out there. So if your questioning what company to go with, this is the one!

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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