ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,866

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: Barbara

Cattail and Simon say thank you

I got pet insurance for Simon and Cattail 10 years ago. After having a cat with vaccine associated sarcoma, I wanted to make sure my cats had insurance in case of a serious illness. They're basically very healthy cats. Cattail had an injury to his paw which required multiple visits. The customer service people were very helpful and even called back to see how Cattail was doing
5

out of 5

POSTED: | BY: Margaret

Wonderful

I have had a wonderful experience with ASPCA Pet Insurance. Bob was great. He has been very caring and helpful.
5

out of 5

POSTED: | BY: Pat

Good value for good coverage

My oldest cat has had a couple of medical incidents that were very costly. The ASPCA insurance paid a substantial amount of two very expensive vet treatments/surgery in the past 5 years.
5

out of 5

POSTED: | BY: Melanie

Mrs.

Such a great investment!! With an accident prone, adventurous cat that's always on the move, I can rest a bit knowing that he has this insurance. It's been awesome.
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!

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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