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: Elizabeth Sposito

So Thankful

Having the ASPCA insurance has been such a wonderful experience. Last month, my 5 year old maltipoo named Raymond was very sick. He had a terrible bacterial infection which turned out to be hepatitis. He underwent a liver biopsy and spent 4 days in a hospital. Having this insurance helped me do what I had to do to get him well. Thousands of dollars later, the insurance helped me tremendously. Having this insurance has given me peace of mind knowing that we are able to give our dogs the best care necessary. I am so appreciative of the concerned phone calls I received from the ASPCA regarding Raymond's recovery. Thank you for everything!,
5

out of 5

POSTED: | BY: Joseph Pinto

Timely and Easy

Our dog has skin allergies we visited our vet twice in 8 weeks.We had the nurse fill out the paperwork faxed it to ASPCA,received an email saying claim was received.Received payment 3 days later .Its great to know this insurance company cares about your pet as much as u do,this gives you ease of mind.
5

out of 5

POSTED: | BY: Michelle McFetridge

Pet Lover

I love this insurance! It makes me rest assure that my puppies are gonna get what they need. It's truly been a life saver for my older English bulldog who has so many problems. I recommend this insurance to everyone that I know or come in contact w/ who had dogs.
5

out of 5

POSTED: | BY: Diana Higgs

Inexpensive Peace of Mind

My husband and I have raised and trained several Australian Shepherds, some as service dogs and some to compete with us in Agility, Conformation and Obedience. Since we found ASPCA pet insurance, we have been able to keep them covered for accidents and illness. The premiums are quite reasonable and even though we live in Alaska and vet costs are higher than customary, we have made multiple claims for both sickness and accidents and been very satisfied with the coverage.
5

out of 5

POSTED: | BY: cindy

Efficient and Fast

Over the years, I have used different pet insurances because Pugs always seem to have issues. In the past, I had ASPCA and they were very good and covered our dog till the end. We did try someone else with new pet and was not satisfied at all and came right back. They process claims fast, no hassle and check is in the mail within 1-2 weeks. The deductables are excellent. Very satisfied and not switching. Even have my Persian covered.
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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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