ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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: Jennifer

Service was excellent, timely, and cost-efficient

My dog Angel has been experiencing issues as she is getting older. I invested in ASPCA and had no idea how cost-efficient they would be as I encountered these issues. They also check in on your pet, as well as provide timely services. They always are willing to answer any questions you may have.
5

out of 5

POSTED: | BY: Jay Kohn

Filed a claim and it was processed promptly

We have been paying premiums for a few years for our dog but had not previously filed, as we did not have any issues that were substantial enough to make it worth while and did not want to chip away at lifetime maximum. We decided after a fairly pricey series of medical tests for a UTI that it was time to file; the claim was processed promptly and there were follow-up calls from ASPCA to ensure we were pleased and to ask after our dog's health. We are overall pleased with the response; and hope that we do not have to file again for a long time.
5

out of 5

POSTED: | BY: Sandra J

ASPCA Comes Through!

I have been a pet insurance customer for about 10 yrs, Last year, my 8 yr old Rottweiler became very ill with Canine Bone Cancer. This was devastating news to me, as that dog was more important than most humans, he was my body guard & companion, among other jobs. The insurance policy covered just about everything during his journey through radiation, chemotherapy, medications, etc. I had to pay out very little, while ensuring that my boy did not suffer with pain & had the best Oncologist in California taking care of him. Unfortunately, he lost his battle for remission & I had to put him down a few days before Thanksgiving 2014. It nearly killed me to lose him. ASPCA was right there with me, covering the euthanasia & even calling & sending sympathy cards after he was gone. I now have the Great Niece of my boy, who is an absolute joy. ASPCA covers my little girl & I sleep better knowing that I have the security of that coverage to take care of her in wellness, or an emergency & know they will be there through the end of life expenses as well. Thank you ASPCA for being there for us!
5

out of 5

POSTED: | BY: Peter Costantino

Satisfied

I have found the service to be dependable and accurate in meeting the claims submitted. If anything a slightly shorter turn around time for claims would make for a perfect rating.
5

out of 5

POSTED: | BY: Tom B

Great Service and Caring Insurance Provider

I would rate the ASPCA Pet Insurance as a 9.5. Our Lab had extensive cruciate ligament surgery and the ASPCA was very timely in paying claims and more importantly, they called our home several times to see how the dog was doing. My primary insurance medical carrier does not do that for we humans!

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.

Get a quote today

Leave a review