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: Diana Garcia

Our two best friends would like to say thank you.

These two are such an odd couple, one an old but gentle black lab who only moves from her favorite sofa spot when she has to and the other one a pit bull who has a rubber ball in every room. Thank you for helping our family when our pit bull Chica began quite ill and needed a specialist due to the painful build up of fluid in her joints and most recently the removal of the numerous cysts on her back. Having to pay the cost without insurance would have been a financial burden for our family. Chica and Angel are almost inseparable, but then they are best buds. Angel says thank you.
5

out of 5

POSTED: | BY: Charlotte Prine

God bless ASPCA Pet Insurance!

My little guy has had smooth sailing for the first 7 years of his life but the last three months in 2013 have been three surgeries! He tore one ACL, then a month later the other ACL, and then we found bladder stones that were too big and thorny that had to be surgically removed. We never would have been able to do this without the coverage that we have with ASPCA. I highly recommend that everyone get pet insurance for their four legged family members. It truly is a life saver!
5

out of 5

POSTED: | BY: Edwina Kemp

outstanding

I got pet insurance for my dog Sophie because when my husband brought her home from Georgia she had not had shots nor any type of treatment.. Since having this insurance we have not had to pay a lot for her treatments nor shots... I would tell everyone who has a pet to get he insurance because it dos pay off in the long run... Sophie is a vey healthy and happy dog since we got her and now she is up to date on everything... That's ASPCA for the outstanding work you do and your helpful services you offer...
5

out of 5

POSTED: | BY: Judy Ealy

fox tail surgery

My Alaskan Malamute had a Fox tail on her flank discovered by her groomer. The mass was the size of my fist. Surgery found a track of 8inches. This was the first claim I have filed and was very pleases in the prompt manner in which it was handled and the ease in filing it. I am so glad that I have insured my dogs with your company.
5

out of 5

POSTED: | BY: Gabriel A

Excellent coverage and customer service

ASPCA Pet Insurance gives me great peace of mind when it comes to my English Bulldog's health. I have had preventative, diagnostic, pre-scheduled surgeries and emergency services with ASPCA and every experience has been hassle-free and quick.
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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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