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: Richard Kluber

Good value for your money

I've used ASPCA pet insurance for several years and several pets. Having ASPCA pet insurance makes it easier for me to get the veterinary care needed to keep my four legged family in good health. Their rates are affordable and help to reduce my out of pocket costs for the visits to the vet.
5

out of 5

POSTED: | BY: Anne

Quick and Easy

Would recommend this Insurance for your pets to anyone, fabulous and easy to work with!
5

out of 5

POSTED: | BY: alex shaykis

Reasonable choice of coverage

Both the customer service and claim processing are solidly good. Representatives are also very compassionate.
5

out of 5

POSTED: | BY: Lesley Ann

Best customer service and always ready to help

I would recommend ASPCA pet insurance (and have) to anyone looking to insure their pet. They are so efficient and always helpful. When we lost our little Bella, they were so sympathetic and helped us through the claims we submitted always with kind and comforting words. They are the best!!
4

out of 5

POSTED: | BY: Barbara Condra

Well worth the money!

Although we have had dogs at various times in our lives, we hadn't had one for several years when I decided to get Oliver. We had never had pet insurance on any of our dogs before so we didn't get it on Oliver at first. However, Oliver had a few health issues in the first year of his life and we decided perhaps we should get insurance. He has since had one surgery and is prone to stones in his urinary tract. ASPCA has paid as promised and that is important. The only issue I had with them early on was when a claim was denied that I thought should have been paid. When I called the company to ask why, they explained their rationale but also told me that I could file an appeal which I did. I got additional information from my vet and after they reviewed the new information the claim was approved. I felt they were fair and open to reviewing their original decision. I also learned that I needed to be sure I submitted as much detail as I could. I am very pleased with the company, their service and the friendliness of their customer service. It is definitely well worth the money.

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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