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: Toni Huhnken

Peace of Mind for Pet Parents

Our brand new mobile vet discovered an abdominal mass in my Romeo kitty during her very first visit. We needed an ultrasound and extracted fluid sent to lab. Knowing we have ASPCA Pet Insurance allowed us to have the necessary tests done without overly straining our wallet during these horrific economic times. Tiffany at ASPCA was wonderful and answered all of my questions graciously and with compassion and competence. Our claim was processed and completed in less than a week! We are very grateful.
5

out of 5

POSTED: | BY: Laurie Robinson

Awesome

Last Summer my eldest cat Shubert developed hyperthyroidism, he required radioactive iodine, his care was several thousand dollars. I am so grateful I had the savings to cover it, however it was a wake up call for me. I have a total of 4 cats, all between 14-15 yrs. They have been healthy all their lives but they are aging and with aging come unexpected health issues. I decided to consider health ins. to assist me in the event of issue so that I could continue to give my cats the best possible care. The ASPCA has been helpful since day one. The customer support person set me up with a plan that was affordable and specific to each of my cats needs. Since signing up last Sept. I have had a couple of minor incidents, the claims process is simple, convienient, and fast. The claims process people are always kind, compassionate, and helpful. I feel they truly do care about me and my pets. They call and follow up to see how my cats are doing. It is a relief to me to have the ASPCA there if I need them. Thank you so much!
5

out of 5

POSTED: | BY: Susan Venema

So Grateful for ASPCA Insurance

My dog, Bodhi, is almost three years old. for the first time, I decided to get Pet Health Insurance. I reviewed several, and ASPCA was the best fit for me. I have been so pleased with the response I have received. Customer service has always been helpful, patient, and friendly. I did have a large bill for knee surgery and my insurance plan paid a large portion of the bill. On smaller claims, I always get a fair reimbursement in a timely manner. I expect that I will always have ASPCA insurance for any pets I may have.
5

out of 5

POSTED: | BY: James Carlson

Help for Gigi's broken ankle

Our standard poodle Gigi suffered the canine equivalent of a broken ankle while running with a friend in the park. It required surgery to repair and fuse the lower part of the ankle (partial tarsal arthrodesis). Our ASPCA coverage helped greatly in covering the expenses of the surgery and the followup during the 10 weeks when she had to be in a cast and then a splint. We are so glad we have ASPCA insurance.
5

out of 5

POSTED: | BY: Leslie Martin

CAssie's Care

We have been w/Pets Health for years and had nothing but, courteous, times and helpful responses from staff. We have been through some tough orthopedic times in the past 5 years, but our girl, now 11 a Boxer-Shepherd mix Therapy dog has fared extremely well, thanks to VCA's marvelous staff. That Pets Health has been there to ease the financial strain has made3 our journey so much easier.

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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