ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,652

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: Patty S.

GREAT INSURANCE!

This pet insurance has been so easy to use compared to the other package I have. I wish I could switch my dog over. Your claim forms are easier because they don't require a vet's signature, and your turn-around time is much quicker. Your follow up calls are very nice as well. Thank you for everything.
5

out of 5

POSTED: | BY: Mike Perucco

Very happy with ASPCA pet insurance

We are very happy we got ASPCA pet insurance. They offer a great service at a reasonable price. They respond positively quickly to our claims, in fact faster then people insurance companies, and are very cooperative and friendly and helpful.
5

out of 5

POSTED: | BY: Brendan Smith

Pays for itself (and gives piece of mind)!

I have a 3.5yr old lab VERY active lab, and though he's in great shape, random things seem to always happen. Turns out he has a thyroid problem (treatable with meds every day the remainder of his life) and obtained doggy flu during the outbreak here in Chicago. Everything worked out perfect, but for the $80 or so I spend monthly (the premium plan) I was able to be reimbursed about half a year's worth! Sure, for shots and normal stuff it might seem a little pricey, but if one random thing happens you become VERY thankful you have it. THe dog I had prior to my current pup developed really aggressive cancer and having a couple surgeries and regular chemo treatments and it cost thousands. If I would've had insurance back then, I would have had almost 10 years covered. It was crazy expensive. So at the end of the day you get your money's worth knowing if the worst happens, you have options opposed to feeling helpless. My pup is pretty much my son. I'd do anything for him ;)
5

out of 5

POSTED: | BY: Idaniss Fuentes

James Fowler

I will like to start by saying you need more employees like James Fowler. He gave me exceptional customer service. I have never encounter such a wonderful experience. He actually did as he said he was going to do. He returned my calls promptly and was very attentive to my concern. He's the best you have..
5

out of 5

POSTED: | BY: Lee and

Peace of Mind

Pet insurance allows you the leeway to make decisions about your pet's health needs based on what is best for your pet, not just on what you have in your bank account. We've always said we never want to give up on a pet or deny care simply because of the expense.And, yes, like human insurance they don't pay everything, but for a reasonable monthly fee, they give you backup and peace of mind. I wouldn't be without it. We've had a number of dogs and cats covered over the years and Petshealth Care Plan has always treated us fairly.

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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