ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,652

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: Tracee

Mariah-Louise

Great insurance for someone with a senior pet.
4

out of 5

POSTED: | BY: Becky Kaufman

thank you.

We have had PetsHealth Insurance for all of our dogs. Not so much for the normal vet expenses -- in fact I frequently don't think to file a claim for those -- but as an aid for any accident or extreme illnesses. We had such an incident recently when 14 year old Belle Lune developed Vestibular Syndrome while she was being at the Vet's. She was treated in those initial stages with IV fluids and with antibiotics. Belle is now home and as recovered as she is going to be. Still can't manage stairs, but otherwise navigates fairly well. I put in the claim along with all requested records and received an email that informed us that everything had been received and that we would be receiving a check soon. and it took about two weeks which is a vast improvement over previous claim settlements.
4

out of 5

POSTED: | BY: Joie

Glad we have it...

our lab had a trifecta of unrelated health issues in one week, GI issues, allergic reaction to an insect bite, and an eye infection. Claim was paid but wish I had coverage of prescription diets!
1

out of 5

POSTED: | BY: Robin Davis

Aspca dropped us due to age.

ASPCA dropped us due to age --11 and 14. We used level 2 accident and illness coverage with aspca for years. We have always been up to date with our payments and no lapse in coverage. The coverage was ok. We received a notice last month that our level 2 coverage will be canceled as of september. They were not going to offer that illness policy anymore. But they will sell us accident insurance. Hum. I called to inquire as this must be a mistake. We have been clients for years. Our illness and claims are are not out of control. Why would they just drop us? Why aren't we just being grandfathered in to any new policies with a payment adjustment of course. I was told, there had been a supplement, an optional additional charge, that I could have added to my insurance which sort of linked all preexisting conditions to our policy. For example, if dog #1 tore a ligament in jan-july coverage period--say june 15. Got the knee fixed, all was well, then showed up lame in same leg august 15, the next coverage period july-jan, the insurance doesn't cover since problem happened in 6 months prior to new coverage period. The additional OPTIONAL supplement policy linked the periods so that it would be covered in new policy period. We chose not to purchase this extra coverage. This year, this optional coverage is now manditory coverage, and in order to continue to have illness insurance, you must purchase this coverage. (we would have been happy to if we must). The
4

out of 5

POSTED: | BY: Maureen

wonderful coverage

Hello,I've had two quite sick dogs over the past 2 years and ASPCA insurance has gotten me through some expensive care that would have been prohibitively expensive otherwise. I'm happy with the service and their concern for the well-being of our pets.

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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