ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,653

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,653

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: Barbara White

Happy I made the decision to insure.

Years ago I lost a pet. I paid for all her care but it was very expensive. Now my pet Bichon has Cushings disease. It has been a great relief having the coverage. Thank you
5

out of 5

POSTED: | BY: Julie Daugherty

Takes the pain away!

This is our second cat that we have had pet insurance for and both times we were very satisfied. We went away and our cat got very sick and our sitter had to take her to the vet. She had a lot of treatment and had to stay 2 weeks under the vets care - so as you can imagine the bill was high when we returned. It was a relief to see the insurance check come in so we didn't even have to think about finances - just returning to a really sick pet was bad enough - dealing with finances or a fight with the insurance company would have been too much to handle. Thanks
5

out of 5

POSTED: | BY: Diana Benjamin

ASPCA Pet Ins. Is a real life saver!!!!

I first decided to get pet insurance when I got my two Shih Tzu ,Ms. Lady and Ziggy we had moved to the country and our blessing soon became a nightmare ,not knowing large trucks passed right in front of our house.Before we knew it Ziggy was hit by a car I tell you as soon as I called my ASPCA Ins. a load was lifted off my heart in know time they took care of everything what would of cost me thousands of dollars didn't cost hardly nothing at all soon after that my little Lady got very sick we didn't know what was wrong with her all we know was that she was dying and needed medical attn. asap again my pet insurance was a God send with no questions only nothing but love and compassion they helped me once again they said not to worry and they would take care of everything I would not been able to afford all the medical costs if it wasn't for my ASPCA Pet Ins. there remarkable when settling your claims they know time is of the essence and times are hard they don't waste anytime thank you so much for all your help and support.
4

out of 5

POSTED: | BY: Joan Meyer

Thank you ASPCA insurance

In the 8 years I've had my cats I haven't needed to use the insurance. However, twice this year I put it to good use when my one cat had a tumor over her eye and the other developed a UTI. I certainly appreciated the help paying for the bills and the fast and easy way available to do this.
5

out of 5

POSTED: | BY: Doug Mitchell

Outstanding!

I'm not one to give praise often but ASPCA Pet Insurance was a wonderful experience. Absolutely no surprises. Everything was paid for as expected and quicker than even my own health insurance provider. It was just a nice surprise to have a company to what they say that they do without any delays, or questions. Just provided the doctor's bills, FAX'd them, and within a week I got a detailed explanations and checks for each of the claims that I submitted. I strongly recommend this insurance to every one as well as I'll never go without for as long as I have a pet. My cat required surgery for a mammary gland issue which ran close to $1,000. I would have had the surgery regardless of having insurance but it sure is nice to be able to change a major event into a less painful one.

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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