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: Leigh

Great peace of mind and great service

Whether it's allergy serum or illness/accident, claims have been handled professionally and quickly. They even call to follow up! All of my dealings with this company have been straightforward and easy.
5

out of 5

POSTED: | BY: Carol Hillman

It's good to know we have ASPCA pet insurance.

We are very pleased with API. Payment has always been prompt and reasonable and I know if our Hildie ever has a really major issue we have insurance to help with the cost.
5

out of 5

POSTED: | BY: Tiffany

Double Claim

I had the unfortunate experience of 2 out of my 3 dogs having issues that needed medical attention at the same time. Having insurance was a blessing just simply knowing how much I paid out for the emergency center and then receiving some assistance made my situation a little more manageable. My golden had tumors removed from his eyes and my little min pin mix had a severe case of gastroenteritis which resulted in iv fluids and imaging (all within a week of each other). If anyone knows the cost of an emergency center...throw in imaging and iv...the costs that added up were shocking...but anything for my babies. ASPCA is the best on the market honestly. I had another insurance company and the claims took forever and there was an exception for everything! I like my decision to have all 3 of my dogs insured with aspca.
4

out of 5

POSTED: | BY: Ellen

Thankful

My cat Zippy was diagnosed with hypothyroidism. The choices were to give him pills for the rest of his life or radio iodine therapy that was very costly. If I didn't have insurance for the therapy his life would have been cut much shorter. The claim process was easy and handled in a timely manner. I know there are a lot of pet insurance companies out there and I could probably shop for a "better deal" but so far ASPCA pet insurance has been very good to me and my Zippy.
5

out of 5

POSTED: | BY: Sharon E

Great Insurance

We have had our pug, Greta Garbo covered since she was six. She is now fourteen. We have been very happy with ASPCA insurance. The levels of coverage allow everyone to choose what is best for their pet. We chose level 3. Since Greta is getting older we are thankful for piece of mind knowing if anything serious happens we have help. We strongly recommend ASPCA insurance. Bob is the best.

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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