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.
4

out of 5

POSTED: | BY: Dennis

Pleased with ASPCA Pet Insurance

I have a 6 year old toy fox terrier. I have had ASPCA Insurance since we retrieved Gracie from the breeder. We did submit claims for 2 minor illnesses and the response was very timely. recently, Gracie became very sick with severe abdominal pains and it just happened over Memorial day weekend. We had to take her to the 24 hour emergency vet hospital where we had to admit her. Thankfully, they took good care of her and treated her infection and we brought her home the next day. ASPCA reimbursed us for 80% of the costs minus the deductible...and they did it, again, in a timely manner. We are very pleased with the insurance.
5

out of 5

POSTED: | BY: John Foster

Really Helped in Our Time of Need

We got the ASPCA pet insurance after our cat got necrotizing fasciitis a few years ago and we learned about how much things like this can cost (about $7000 in that case). When our cat was attacked by a stray dog, we had to take him straight to the vet hospital and not worry about the cost. Having the pet insurance, which paid for a very large chunk of this bill, was a real relief to us.
5

out of 5

POSTED: | BY: Melissa Dent

Good Experience

I have 7 cats....used to have 8 but one had to be put to sleep in June....I am very happy with ASPCA insurance.....it would be really hard to cover all my pets otherwise
5

out of 5

POSTED: | BY: Barbara

Happy we did - For Abby’s sake

We are very happy we had purchased ASPCA health insurance for our Abby. At our vet’s prior recommendation we purchased the basic plan because she is only 3-1/2 and healthy and never thought we would use it. Two months after she tore her capsule around her kneecap, not a typical injury and not known to breed. I was worried that being new to the service we wouldn’t qualify, but after speaking to a representative we were happy to learn that we would recoup 80% of her surgery cost. We were thrilled! While I had some issues with the website at first, I can attest that every time I spoke with a rep, they were courteous and extremely helpful. I just don’t want to have to use them again too soon....for us, not them!
5

out of 5

POSTED: | BY: Charlene Barnett

Magie and Danny

After my Scottish terrier Maggie was diagnosed with cancer, I found out how expensive treatment could be. When my little Scottie Danny came home I made sure he had insurance coverage. Unfortunately Danny needed that coverage. HE GOT CANCER ALSO. BUT WITH THE PET INSRUANCE HE WAS ABLE TO GET CHEMO AND LIVE AND ENJOY HIS FAMILY FOR ANOTHER YEAR. Now Mitzi and Barney are in our lives and have insurance for unexpected illnesses.

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.

Get a quote today

Leave a review