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: Chris

No complaints

We have been long-time policyholders and we have usually had nothing but wonderful service from ASPCA. Like any other type of insurance, there are always things that are not going to work for everyone. On the whole though, we have had no problems with the way the insurance has worked for us. The customer service has been excellent - you can speak to real people when you call them, and those people have been helpful and friendly whenever I've called. I also appreciate the online services, which have really stepped up over the time we've held our insurance with this company. The fact that so much information is online now (claim status, policy details, etc.) is great and saves me time on the phone. I have been filing my claims via email for a few years now and they are processed pretty rapidly. All in all we are quite satisfied with the quality of this company's services and we would recommend them to others.
5

out of 5

POSTED: | BY: John V

Good Service - Got what I paid for

Good service and follow up on their part. Took a little longer to get payment than I would have liked, but pretty good overall. Would recommend insuring to the highest or second highest level - these things get pricey
1

out of 5

POSTED: | BY: Lynda Dussler

Very bad plan

My dog started getting sick in September. He was diagnosed with diabetes in October. October was the beginning of a new plan period. Because he started becoming sick in September but didn't get treatment until October, ASPCA would not cover any of his expenses. They said since he showed symptoms of his disease during a different plan period, he was not eligible to receive any reimbursement. This doesn't make sense and is very unfair.
5

out of 5

POSTED: | BY: Diana M.

Good Experience with our Claim

Our dog had a cyst removed from his snout. ASPCA's claim forms were easy to complete and the payment came in about 2 weeks.
5

out of 5

POSTED: | BY: Craig

When You Least Expect It...

I've searched all pet insurance carriers and ASPCA still came out on top for the value combined with coverage. Our 8 y/o miniature schnauzer became extremely ill with gastrointestinal symptoms and had to spend a night in the hospital. Claim reimbursement was pretty quick at just under a month.

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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