ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,882

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: customer

Compassion When I Needed It Most

I’ve had my dog insured with ASPCA Pet Insurance for years, and I’m incredibly grateful I did. Recently, I had to say goodbye to him, and during such a painful time, ASPCA was not only efficient but deeply compassionate. My claims were reimbursed quickly, and every phone rep I spoke with treated me with kindness. After his passing, I received a personal call and a handwritten note offering condolences—it meant more than I can say. That level of thoughtfulness made a hard time just a little easier. Thank you.
5

out of 5

POSTED: | BY: Mary Ann BURNS

Great Response

I placed my first claim with ASPCA Pet Insurance and received great service and a quick response.
4

out of 5

POSTED: | BY: Alicia San Miguel

She understood exactly what I was…

She understood exactly what I was talking about. The first rep didn't.
5

out of 5

POSTED: | BY: Claire C.

Worth Every Penny

Easy to submit a claim and the claim was processed quickly. Pet insurance was literally a life saver for our sweet dog and we’re so relieved that we chose ASPCA when our dogs were puppies. Worth every penny, we couldn’t be happier!
1

out of 5

POSTED: | BY: Loren Clint

SCAM

SCAM! Beware! They take your money but no claim is ever covered! I paid the covered for 2 years, submitted claims but they denyed coverage on everything so 100% out of pocket and 100% loss on policy cost. That is horsecrap!

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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