ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Chris

Life Saver

Recently our small lab mix, Ollie, was diagnosed with tetanus. He was acting strange after daycare to the point where we felt we needed to take him to the emergency vet. He was panting and drooling, had glassy eyes, and was unable to relax his back legs or sit normally. Needless to say it was a shock that we had to decide in a few minutes whether or not we were going to medically board our dog for 2 weeks and provide full funding out of pocket to treat our dog appropriately. Fortunately for everyone we made the right decision to take Ollie to the vet when we did. We were told that had we waited until morning he may have been beyond recovery. We are proud to say that Ollie is back to his old self and minus a couple of scars is healthy again. The thought of having a family member in a life threatening situation is tough enough, but to have to weigh the options with medical bills in the back of your mind is exponentially more difficult. We love the ASPCA for so many reasons, but they have also been so great for us for insurance purposes. Within a few weeks we did receive reimbursement for a majority of a pretty hefty bill. Thank you very much to the ASPCA for helping us save our dog and loved one. You really were a life saver!
5

out of 5

POSTED: | BY: Petula

Pleased

I am well pleased with the level of service. ASPCA tries to assist in anyway they can with your pet's needs.
5

out of 5

POSTED: | BY: Amie Bjorklund

Excellent customer service at a fair price

I have been with ASPCA since we rescued our adult dog, Molly. I knew I wanted pet insurance and shopped around for a bit before deciding on ASPCA. We have illness and accident for our dog and it's $34.20 a month with a $500 deductible. Needless to say, we have met our deductible every year and end up getting repayment because we have insurance. Their website is really easy to navigate. They have an all electronic claims service, which makes it easy to get claims inputted and tracked at any time. They direct deposit your repayment and are an open book about what charges are applicable. Perhaps the best thing is their customer service. I have always talked with a live person, always been treated with respect and always had my problems solved. I feel like they care that I'm a policy carrier. Plus they called me today to check on Molly, since I had put in a claim for a vet stay due to illness a few weeks before. There was nothing wrong on their end, they were just calling to make sure Molly was feeling better. I recommend ASPCA pet insurance to everyone I meet with a pet. All pet owners should have their pet microchip with the correct information and covered with pet insurance. I will be with ASPCA for the long haul because I believe in what they stand for and feel like they believe in me as a customer.
5

out of 5

POSTED: | BY: Eleanor

Much-needed assistance toward good health again.

My mini-Poodle hates to go out when it is raining, rare as it rains here, so she holds on until she is constipated. Recently she carried that too far, and we had to take her to the vet because of her nausea and discomfort. It took lots of meds and procedures to get her back to normal after a fairly long siege of her lethargy, pain, not eating or drinking. ASPCA Insurance helped us greatly in restoring her to good health.
5

out of 5

POSTED: | BY: Heather

Dependable with prompt service

Always paid my claims within 2.5 weeks. They provide exactly what your policy states. No funny business. They are the real deal.

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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