ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: Lesley

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

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.
5

out of 5

POSTED: | BY: Ava

Excellent insurance in every way!

Best pet insurance ever! Simple to make claims, fast in sending reimbursement, excellent customer service!!
5

out of 5

POSTED: | BY: Elizebeth

I have three dogs with this insurance…

I have three dogs with this insurance company. They have always paid well and it might take about three weeks to get paid but I do get paid. I have a dog with irritable bowel syndrome and they pay for all his food. He is a big dog so he eats about $100 worth of food every two weeks and I have no problem getting paid for this. I Have another dog who keeps eating stuff he had his stomach surgery twice stuff taken out surgery was about $3000 total maybe more and we were covered 90%. This insurance really helps us I love it.
5

out of 5

POSTED: | BY: Michele

ASPCA Pet Insurance is a must have

Having ASPCA Pet Insurance allows me to have peace of mind. I am confident in knowing that if my dog Feddi gets sick or hurt my decision to take him to the vet and do what is necessary to get him better is not based on what I can afford. I did my homework before purchasing pet insurance and felt ASPCA pet insurance offered the most for the money. Submitting a claim is easy and they reimburse quickly. They also have wonderful customer service. I highly recommend them.

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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