ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,144

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.
1

out of 5

POSTED: | BY: Joe rhodes

OMG ASPCA Dog Insurance is rip off

OMG ASPCA Dog Insurance is nothing but a HUGE RIP OFF, in our opinion.Our Coco had to have disc surgery 12-24-2019 after seeing 2 other Vet's all said & done our bill was 10,729.35 $, we paid it and I started paperwork to file claim, we have had a policy for both Coco and Cotton for 5 yrs now. We knew we were capped at 3,00.00 but that would have helped, but instead today I see our claim and they are paying 0, yes you see it correctly 0 a big goose egg. What in the heck have we been paying every month for, 12 moths for 5 years x's 2???? We would recommend using ANYONE but the ASPCA INSURANCE .....I hope ASPCA see's this! Tag EVERYONE
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5

out of 5

POSTED: | BY: Kristine

From the ease of submitting claims online, and the great, friendly customer service, ASPCA has surpassed my expectations.

My experience with ASPCA has been great. Signing up is simple and the customer service is excellent. Nice people who have answers for all my questions. My little pup Bowie was diagnosed with Addisons and he requires daily and monthly medications and doctors visits often. Luckily I had ASPCA pet insurance that covers his medical needs. Submitting claims is so easy with my phone and I've never had a problem with any of his claims being denied. Having coverage for Bowie with ASPCA gives me peace of mind, and Yes, I refer ASPCA to all my pet loving friends. Thank you ASPCA.
5

out of 5

POSTED: | BY: Jason Viets

I love having pet insurance for our…

I love having pet insurance for our dogs. Its very expensive to pay for there care and you never know what may occur with there health. I do pass your company's name to all my friends who have pets thanks for providing this service. I've never had a problem with any of the refunds that come back to me outs easy to process a claim and to talk to any of your reps.
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5

out of 5

POSTED: | BY: Eason

Good for my cat

Good for my cat.
5

out of 5

POSTED: | BY: Susan Babka

All of my experiences have been…surpassed!

All of my experiences have been perfect. You process claims with in believable speed. It really is impressive. You guys rock!
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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 Insurance detail
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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