ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,789

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: Carol Byram

Well worth it.

I have had the level II insurance on my friend Buster for maybe 4 years now. He's an old guy at 12 now. He hasn't had too many health problems except arthritis due to old age and some skin allergies. He has only had relatively small claims. But while getting x-rays for laser treatments for his arthritis, he was discovered to have bladder stones. Major panic. He had to have major surgery and I had to take out a loan at the credit union. I turned in the claim and they promptly covered a large portion of that. Major relief. I would recommend this pet insurance to anyone who loves their pet. I have read some of these reviews and I would like to add that under the terms laid out in the level of insurance I have purchased, I have never been treated unfairly. I purchase this insurance mainly as a safeguard against a devastating illness or accident and my experience with this company has been that it's well worth the cost of the premiums for the peace of mind those premiums provide.
5

out of 5

POSTED: | BY: ann m

exerlant coverage

reimburse sooner than 3 weeks
4

out of 5

POSTED: | BY: Max

there when i need it

I feel secure in knowing when Max needs to visit the vet for an illness or in an emergency most of the bills will be covered. And paperwork has gotten easier over the past few years
5

out of 5

POSTED: | BY: steve napolitano

ASPCA PI Valuable

We are very pleased to have insured our beloved yellow labrador retriever with ASPCA. Through the past two years we have had very pleasant dealings when we submitted claims. I can honestly say this is completely worth the costs in quality of service and results.
5

out of 5

POSTED: | BY: Vicky

Reliable insurance for my pets needs.

We have a 14 year-old Jack Russell Terrier who sustained an eye injury. Unfortunately, he ended up having emergency surgery to remove the eye and it was costly. I submitted the claims to ASPCA and they paid over half of the bill in a timely manner. We have used this insurance over the years and have never had claim issues. I recommend this insurance to all of my friends and I will continue to buy it for all of my pets. I've compared them to others and they always come out on top!

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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