ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: C Bruce

Highly Recommend

We have had this insurance for three years and it has more than paid for itself. Fortunately, we haven’t had to use it very much, but when we did, filing a claim was very easy(did it on my phone) and we received a check in a timely manner. The only reason I didn’t give it five stars is because they didn’t pay for a medication saying it was pre-existing. It wasn’t but perhaps there is just miscommunication and I haven’t had time to call for an explanation. I would highly recommend this insurance to pet owners. One unexpected trip to the emergency vet and you’ll be glad you have it.
5

out of 5

POSTED: | BY: Marcus F.

ASPCA pet insurance is the best

ASPCA pet insurance has really been a blessing to our family. Providing us peace of mind that we can afford to keep our pet healthy and well taken care of should the unexpected occur. Claims processing is fast and very easy. Would definitely recommend them.
4

out of 5

POSTED: | BY: Maggie Torres

Somewhat slow

I feel this is a great insurance, however, I also feel that the claims take some time in processing and sending the reimbursement checks out. I realize this would probably be faster online, however, not everyone has a computer to rely on as myself. I must utilize the postal system which is a disappointment. Overall, I’m very pleased with the company handling my pets profile on insurance matters.
5

out of 5

POSTED: | BY: Erik Prentnieks

Very quick to respond to claims and…

Very quick to respond to claims and fair with reimbursement. I would recommend this pet insurance to friends.
5

out of 5

POSTED: | BY: Ashley Panter

Having pet insurance enabled me to provide the best health care possible to my best little buddy.

I invested in ASPCA Pet Insurance when my dog was approaching his “Golden Years.” Collectively, over the span of 4 years, pet insurance probably saved me $2k annually. In Bo’s final two months battling kidney disease, I spent roughly $2k in those two months alone. Because I had pet insurance though, I only paid around $400 out of pocket. Everything else was covered. In addition, when my dog passed and I called to cancel his policy, the customer service team was extremely empathetic and sincere and it made a tough phone call a little easier. Having pet insurance enabled me to provide the best health care possible to my best little buddy... and that gives me comfort. Not all dogs are as fortunate. It’s a shame.

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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