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.
5

out of 5

POSTED: | BY: Ann

THE BEST PET INSURANCE EVER!

Had a senior kitty with kidney & thyroid problems who needed regular vet check ups, blood tests & medication. ASPCA covered these as per the policy. Customer Service was always welcoming, professional, and knowledgeable. It was easy to submit claims on line & check their status. Direct deposit of the insurance reimbursement into my checking account was most convenient.Have had significant experience with other pet insurance companies who are just large corporate entities with bare bones services to the consumer whose ONLY goal is to increase profits. They are as rude & obnoxious as people's health insurance companies. My kitty passed recently & right afterwards I received a call from Schellie from ASPCA Insurance. She called to see how I was doing after the loss. She was genuinely warm, caring & sincere. We shared our love for animals & she affirmed how difficult losing a pet can be. Her call lifted my spirits in a special way & am very grateful that she reached out. I really hope that in the future ASPCA does not cut corners & become as impersonal & money grubbing as most insurance companies.
5

out of 5

POSTED: | BY: Jodi Tauber

Great company to work with

Very quick claim return, great customer service.
5

out of 5

POSTED: | BY: Cristobal Melendez

Excellent Process and Positive Experience

My dog recently underwent major surgery. I filed the claims with the ASPCA insurance and within 3 weeks of filing the claim, the money was already in my account. The customer service is amazing and the they very clearly communicate with the customer ever step of the way. I would 100% recommend them for any other pet owner. The policies are great and as a pet parent you feel really taken care of.
5

out of 5

POSTED: | BY: Shirley Kriss

Very good service.

Very good service
5

out of 5

POSTED: | BY: Helen Pope

Easy claims to file

I've had nothing but great experiences with this insurance! When I found my stray pup, I knew I wanted to add her to my pet insurance as soon as possible. When I shocked to learn at our first vet visit she was heart worm positive, I called ASPCA in a panic to find out if this would be covered. They reassured me that they would help and it took a huge burden off of my shoulders. She is now heart worm negative and playing like a puppy with her brother. Having this insurance was life saving!

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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