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: Kathy M.

Affordable Coverage and Great Service

After spending a couple thousand for a surgical procedure for Scottie, my three year old Shetland Sheepdog, I researched pet insurance and decided on ASPCA's Level II insurance for Illness and Accidents. I have had the insurance for about 3 years now. Scottie has had a few claims for which 80% of the covered items have been reimbursed after an annual $100 deductible was met. My experience with ASPCA has been great from their helpful customer service and website, claims status emails, prompt reimbursements and following-up calls regarding how Scottie was doing. Knowing that I can give Scottie the best care possible for any illness or accident is a great piece of mind.
3

out of 5

POSTED: | BY: Emily

Continuing Care Not Covered after Policy Renewal

I had this insurance for my cat who was diagnosed with cancer last year. It was not curable, but she could have a good quality of life with medicine to manage her symptoms. ASPCA insurance covered her expenses, but when the policy renewed (which happens every year)they would no longer pay any claims for her continuing care.If you were unfortunate to have an accident or illness happen right before the policy renewed, the care would not be covered after that arbitrary date. What a horrible position to put a pet parent in after they have been paying premiums for years. I had otherwise been pleased with ASPCA, but I will not enroll another pet with them after this happened. There are other policies out there with similar premiums who do not do this.
5

out of 5

POSTED: | BY: Elizabeth Schaper

Delighted with this insurance coverage!

I have been a dog lover all my life and with my former Westie, who lived to age 17 1/2, used another pet insurance co. That was terribly disappointing and found a reason to deny coverage for almost anything: worthless. ASPCA pet insurance is the most comprehensive and owner friendly company I have dealt with in this category of business. I am delighted with their efficiency, follow-through and genuine professionalism. I have recommended them to all my pet loving friends. Great company with significant value for money. Well done!!
5

out of 5

POSTED: | BY: Brenda Casey

Awesome Pet Insurance

I have been using ASPCA pet insurance for three years now. I cannot say one bad thing about them. This review is in general because I have utilized it over and over for my cats - 10 year old and my two 2 1/2 year olds. I adopted my 10 year old when he was 8 and added him to the insurance and there were no issues whatsoever, which is great because I had no idea of his medical condition for his first 8 years. It gives me great peace of mind to know that I have great medical insurance for them. I have recommended ASPCA pet insurance to many people and will continue to do so. Thank you for helping me provide my boys with the best medical care possible!
5

out of 5

POSTED: | BY: The Wojciks

Thank you, ASPCA pet insurance !

We insured our newly adopted puppy at my mom's suggestion- just in case! Turns out, our little darling in a rock eater. This is a very expensive proposition. Thank goodness we have had her two surgical claims paid by this insurance. They are very nice and call to check on her after her surgery, too.

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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