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.
4

out of 5

POSTED: | BY: Chris Garrison

Peace of mind when needed

Our Chessie had been having a problem with his knee for several months, and when our regular vet recommended a specialist for the surgery we did not hesitate because we felt confident we would get good coverage from our ASPCA plan and we did. Sure it would have been nice if the allowable amounts had been higher, but a good two thirds was covered with our 80 percent payout. We have filed other claims over the years including claims for well care and are happy with our benefits. Finnigan is very important to us and ASPCA has called to check on Finn and his progress following his procedure and his recovery period which is still ongoing at this point.
5

out of 5

POSTED: | BY: Jennifer Hendrix

I love the Online Claim Process

I've had ASPCA Pet Insurance for my Yorkie for at least 8 years. In the past I've always faxed or mailed in my claims, but, recently decided to try the online claim process when I accidentally slammed the door on Coffee's paw. The online process was so easy and cut the processing time in half. I also receive emails updating me on the status of my claim. It's such a nice perk. I wish I'd used the online claims process a long time ago. It's great!
5

out of 5

POSTED: | BY: Steve

accident

Our puppy rolled off the bed and injured his shoulder. Trupanion was so easy and a pleasure to deal with. Send in the forms, approved and reimbursement check in the mail just as advertised.
5

out of 5

POSTED: | BY: Susy

Accountable and with great customer service

We have had ASPCA pet health insurance for our Shelby around 5 years now. Throughout the years we have unfortunately had a few claims which were processed promptly and fairly. The customer service agents take their time to explain the benefits and their communication is stellar! They give me the piece of mind of being able to get the best treatment for Shelby and not have to worry about if I will be reimbursed. Great service and completely worth every penny. I recommend them all the time to my friends and family.
5

out of 5

POSTED: | BY: Allyson Uzelac

Kai's heart

Loved the service I got from ASPCA Pet Insurance. Kai has a heart murmur and until we got it checked out I was not sure how bad it was. It turned out to be minor and I am very relieved. I sent the claims for the vet services and they were paid very quickly.Thank you
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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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