ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,646

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,646

Updated: May 29, 2024

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: Jacki Wilson

Peace of mind

My Princess had a sore on her vulva that worried me. It didn't go away so the vet treated her for a UTI and gave me some topical ointment. She still kept bothering it so we finally did a biopsy which was undetermined. Eventually we went through two more antibiotic regiments and it finally resolved. But knowing it wasn't cancer, stones, or Brucellosis gave me great peace of mind. The insurance was right on the spot with their response and how they handled my claim. I am very happy with the people that you talk to on the phone. One of the nicest customer service group that I have ever had the pleasure to work with.
1

out of 5

POSTED: | BY: Kim

Terrible

They will only reimburse 80% of what they deem an allowable charge for the service performed and not what was charged by the vet. Terrible!
5

out of 5

POSTED: | BY: Stacie Seiler

Wonderful Experience!

The ASPCA could not have been more helpful or easier to work with regarding a claim for our fur-baby, Maggie. Our coverage plan allowed us to be reimbursed for ~80% of the cost for a surgical procedure this year, and we received the reimbursement about 10 days after submitting it! We also received a couple follow up calls from the ASPCA to check on our little Maggie and ask if we needed anything else. I wish ALL insurance companies could be as customer centric, caring and pleasant to work with as the ASPCA!
5

out of 5

POSTED: | BY: Carol

Peace of mind when you need it most

My dog recently had to have surgery and have his spleen removed and 2 benign tumors. The ASPCA paid my claim immediately and even called to see how my dog was doing. My doctor usually doesn't call much less my insurance company (who btw has NEVER called me to see how I was doing). It's stressful enough to be worried about your pet; you don't need to worry about whether the insurance will pay. Thanks
5

out of 5

POSTED: | BY: Pat Auracher

Efficient, no jumping hoops for claim and pd quick

My Doggie tore her CCL and we treated it conservatively at first and then decided to have surgery. ASPCA claim process was efficient and easy. Once my dog had surgery their payment was accurate and quick. They were very courteous on calling to see how my dog was doing. I am glad I had this insurance.
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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 Insurance detail
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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