ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,646

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,646

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.
3

out of 5

POSTED: | BY: rob flanning

Typical Insurance Co, OK but not impressed either

We've had insurance with them for a few years and only had to do a couple claims which were covered partly but was little disappointed in the amount back, and service. They give you textbook answers but I would like to get more covered for the money. Biggest thing I didnt like is that they arent a part of ASPCA which I understand becuae no profit cant sell it but they basically became partners w them to change their name and reputation. Like aspca but wish they would just partner with an established co that holds their own. As someone who used to work in insurance,I understand they cant cover it all, but we are switching to Trupanion this year to see if we like better.
5

out of 5

POSTED: | BY: Judy

No complaints - Happy Customer

Our vet handles our billing so those items that are covered we have been paid quickly. I have never had pet insurance before so I don't have anything to compare it to but we are very happy with the coverage.
5

out of 5

POSTED: | BY: Marsha

Very Satisfied

We have had ASPCA for several years. It's the second pet insurance we have tried. We have been very satisfied with the reimbursements we have received. I would recommend them highly. The customer service has been great too.
1

out of 5

POSTED: | BY: Sarah Minnich

NOT HAPPY!

One of my older dogs (11) was out playing in the backyard. He was fine when he came in, that night, limping a little, and by the next day, his back legs were paralyzed. He was put to sleep two days later after discovering he'd ruptured a spinal disc. NOTHING could be done. I have insurance with ASPCA. I BORROWED money to pay the vet bill. With a $100 deductible, they are giving me a little more than 50% back - I am SO upset! It's bad ENOUGH that I lost my dog, and now I don't get most of the $$ I had to spend back? WHY bother with this insurance! When I get a puppy, I will NOT use this insurance! PLUS they are EXTREMELY slow doing the claims!
5

out of 5

POSTED: | BY: Lucinda Brown

Jack Accident

Insurance responded as it should.
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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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