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: Margery Tabb

very helpful

Cayenne had a bladder infection and pre-diabetic condition due to steroids she was on for a skin problem. After several lab tests and change of meds, she is feeling better and blood sugar level is normal. Hopefully this will remain the case as she is no longer taking the Medrol and is on a lower carb diet. Insurance really helped defray the cost of all of this.
5

out of 5

POSTED: | BY: Dennis Mahn

Insurance to the rescue

With our kitty having a persistent urinary infection, the cost of keeping her healthy was dipping into our monthly budget. Thank goodness for the reimbursement by ASPCA Pet Insurance. They are so timely in this reimbursement, we don't even miss so little budgetary output. Thank you ASPCA Pet Insurance !!
5

out of 5

POSTED: | BY: Cynthia Neiman

Satisfied

When Taco got a severe bladder infection, I rushed himto my Vet. It took 4 to 6 weeks of medication to get him back to normal. I was so glad to see him healthy and back to his old self again. I was also very grateful I had his ASPCA insurance to fall back on to cover a great deal of the expenses to get him well. I don't know what I would of done without his pet insurance to help cover the costs. Taco is a big part of the family and we would all hate to lose him.
5

out of 5

POSTED: | BY: Ann Merritt

Reliable insurer

Sadie, six year old lab, was diagnosed with partially torn ACL. We arranged for surgery with an excellent specialist.I submitted the estimate of expenses,and was told ASPCA would cover 80%. The vet said her minenscus had also been torn and a piece of cartilage had detached. Poor pup had been in such pain. Her surgery has resulted in her complete recovery after her physical therapy with us. So great to not have to worry about insurance coverage while we were so worried about her well being. We greatly appreciate your reliable timely service. Thank you.
5

out of 5

POSTED: | BY: Lovelyn Santos

Thankful for ASPCA Pet Insurance

I have had ASPCA Pet insurance coverage for my cat, which I had for 18+ yrs. A month before I had to put my cat to sleep, I acquired a puppy. I reviewed other insurance carriers but opted to stay with ASPCA since I've always had good experience with them. The puppy is now a 3 yr old German Shepherd, Rottweiler, Chow Chow mix dog. He has a thick chart at his vet's office since I became pet parent at 8 wks old. He is a very active and curious dog who seems to be prone to accidents and illnesses and being a first time pet parent to a dog his size (yes, all 118 lbs of him!) only adds to the equation. When he was 2 mos old, I ended up with a $600+ vet bill for ER service. I regreted the fact that I didn't purchase pet insurance for him at Day 1. In October of 2012 I noticed a lump on his neck which was growing. In March 2013, a surgery was needed to remove the lump which we later found to be a cancerous mast tumor. Due to him being a very active and easily exciteable dog and the placement, his incision (over 6 inches long) busted open multiple times, requiring 3 more surgeries to repair it. It healed very well, no chemo, and no recurrence so far. Per doctor's order, I check his whole body everyday to check for lumps and every 3 mos for vet check. I don't know what I would have done if I didn't have pet insurance that covered at least 80% of the cost of the vet bills not just from this incident. At one point I thought of canceling the insurance and just opening a savings

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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