ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,660

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,660

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: Fred Verillo

Thank goodness for ASPCA Pet Insurance

At one point I had seven of our cats covered under the ASPCA Pet Insurance. I am so grateful because over the course of time there were several occasions when one our Cats needed medical care and I was able to provide it for them without it being an economic hardship. There is a great security in knowing that the insurance will greatly ease the burden of the costs. Most recently our cat Toledo had a life threatening bladder infection which required a hospital stay of many days, you can imagine how relieved I was knowing that I had coverage for him. My reimbursement was quick and was followed up by two calls from the ASPCA staff checking up on his progress. Well Toledo is fine and made a full recovery and sitting next to me as I write this review. Sincere thanks to ASPCA for providing a great service.
5

out of 5

POSTED: | BY: Michael David

There is a God and he loves pitbull's

I would like to say this to everybody out there I have tried different insurance companies ASPCA loves all breeds my pitbull Cymba and me were out walking she was caught in a electric gate that cars go in and out of the gate was squeezing her to death I put myself in arms way to save her life I have spent over $17,000 in vet bills to save her life ASPCA is like having an angel on your shoulder thank you ASPCA for saving my service dogs life
5

out of 5

POSTED: | BY: Patti

WONDERFUL!!!!!

My little Macy (cat) was diagnosed with asthma in 2013 and had 2 expensive emergency trips...he is maxed out with that part of the insurance but at times the poor boy gets constipated and has a few vet trips...I am so very thankful I signed him up in 2007 never knowing what the future would bring. They reimburse quickly and even for his medicine! He has better insurance than me!!! I LOVE the folks at ASPCA insurance-top notch customer service EVERY time I call. For a sacrifice of going out to dinner once a month you have peace of mind if your pet gets ill.
5

out of 5

POSTED: | BY: Holly

Very Thankful for ASPCA Insurance

I studied several plans and decided on ASPCA. I have had it for about 2 years on my IG/Boston Terrier dogs. Sofia needed her insurance benefits right away, and Gianna has never used his. I feel the price is right, the service quick, and the people so caring. I will continue to use this service for my dog's entire lives.
5

out of 5

POSTED: | BY: Sherri

Would never own a pet without insurance!

We had ASPCA pet insurance on our last dog. We found out how important it was to have insurance. So when we got our next dog we knew right away to sign up. Again it has been a blessing to have as our new guy gets worked up for allergies. And then you have those instance where young dogs like to put things in their mouth that they shouldn't....so taking him to get checked out was an easy decision knowing we had pet insurance to help cover the costs.

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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