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: Steven Krushinsky

Helpfull

ASAPCA Insurance really helped keep the cost down for medicine my dog really needed. The customer service is excellent and really go the extra mile to assist you. Very happy and glad to have become a customer.
1

out of 5

POSTED: | BY: Katie

Read the Fine Print

Be sure to read the fine print when signing up for an ASPCA plan. My dog had to have major ligament surgery ligament surgery 8 months after we registered her with ASPCA and, to our surprise, they don't cover major surgeries like this until TWELVE months after initial coverage begins. Some reviewers referenced the peace of mind that ASPCA provided. Well, ours was ripped out from underneath us when we found out that our quarterly payment of $225 to ASPCA gave us zero safety net for this type of injury. Now we are down the full $3300 surgery plus the $1000 per year we pay ASPCA. Thanks for nothing.
5

out of 5

POSTED: | BY: Rebecca Rinehart

So Grateful

My 7.5 yr old Yorkie developed quite a few ailments since he was 2 years old. He had to have a liver shunt, developed diabeties and 4 attacks of pancreatitis. The last bout was his last. ASPCA was there for me everytime he was hospalized(which was 3 to 4 days each time). They were very helpful when I called and so kind. They would call and ask how he was feeling. Last month I lost my friend and they were so kind and such a comfort. The sense of security I had in being able to pay for his care was worth every claim I submitted. I appreciate everyone at ASPCA for their timeliness in processing the claims and their support. I would recommend this to all pet owners.
5

out of 5

POSTED: | BY: Carl

Good, attentive service

I've been very pleased with ASPCA - they make it so easy to submit a claim, and they have responded quickly. I wish my own health insurance was this easy and transparent!
5

out of 5

POSTED: | BY: Serena Chin

My boys are in good hands with ASPCA Pet Insurance

I was skeptical when I first signed up for basic accidental pet insurance for my 2 cats who are both indoor/outdoor cats. But so glad I did. Hoover had food poisoning and became ill. I had to take him to the vet when he did not get better which he finaly did after the visit. Even though the claim was only about $300 I was impressed that they did not give me a hard time and that they approved the claim. Since then I have upgraded my pet insurance with ASPCA for full coverage. Their customer service was efficient and courteous.
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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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