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: Lisa

I am very pleased with our choice of…

I am very pleased with our choice of ASPCA Insurance for my pets. I recently submitted a claim (multiple claims) for one of my furbabies and the claim(s) were processed seemlessly ... from submission to review to deposit into my account was exactly 2 weeks, and there were 2 holidays in that period so I consider that very speedy. There were no hidden exclusions - EVERYTHING was covered, with the exception of taxes and medical waste. Given that our journey ended in sudden loss, I was quite relieved I didn't have to haggle or appeal anything regarding our claim(s). Best feeling knowing I can pay off that care credit account quickly! Although I hope I never need to submit a claim for my other pup, I am comforted knowing that this company made the process simple, covered expenses as described in literature, and was very sympathetic and caring in our time of grief. We truly believe we are in good hands with this policy.
5

out of 5

POSTED: | BY: Dwayne Bell

Response and approval my claim was…

Response and approval my claim was prompt, and followed the policy terms . Reimbursement arrived quickly'
5

out of 5

POSTED: | BY: Karen Villagomez

I love this insurance

I love this insurance. It helps out so much throughout the year. When we first got our puppy you think what could go wrong. Yeah right. Everything and at least we know we have help in treating his condition. Our dog was diagnosed with environmental allergies and requires vet visits every month for meds and every two months for follow ups. You can never imagine how much they help to save you on vet bills forget just your normal visits. I definitely would suggest you sign up with them as soon as possible
5

out of 5

POSTED: | BY: Ross Romero

This is the best pet insurance on the…

This is the best pet insurance on the market. I've tried many competitors and ASPCA Pet Health Insurance is fair, quick, easy, and responsive.
5

out of 5

POSTED: | BY: Cynthia O' Byrne

I absolutely love this insurance

I absolutely love this insurance. I remember when I first got it my husband was reluctant but when I reminded him that I would most likely tell a vet “do whatever it takes” someday and have had to say it multiple times. It was always better knowing financially I had insurance to back up some very expensive procedures to prolong my beloved pets lives. Totally worth it to me!

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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