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.
4

out of 5

POSTED: | BY: Adele

efficient

I have pet insurance for my dog and cat, so far I just had to use for my iggy who ate chocolate. This was my first time putting a claim in and was not quite sure how to go about it. I only had to make one phone call and the rest went smoothly.
5

out of 5

POSTED: | BY: Stacey C

Dependable and Easy

ASPCA provides fair and affordable coverage and filing a claim is hassle-free.
5

out of 5

POSTED: | BY: Gina Hubberts

Great Save

After spending a ton of money on my older now deceased cats, I decided to purchase health insurance for my new cats. I have had it for 5 years and had never needed it previously. Until recently two benign (thank God)growths were discovered on the forepaw of my cat. I cannot believe how hassle filing a claim had been. thank you for making my life easier.
5

out of 5

POSTED: | BY: larry jacobellis

petshealth is an excellent ins, cover. for my dog.

petshealth has eased the burden in seeing to the medical needs for my dog tubbs an 8 year old black pug. he has had the coverage since about 7 months. he has been a healthy dog for the most part. at times when medical intervention was needed petshealth stepped into the breach to ease the the cost of care. petshealth is highly recommended.
5

out of 5

POSTED: | BY: Annette Nickerson

Fair and honest principles, easy to contact

My Siamese kitty Ichiban has been insured by ASPCA Pet Insurance since 2007, and has had several medical issues over the years... couple of tooth extractions, 3 or 4 allergic reactions (who knows to what!) and one emergency toxic reaction, probably to some kind of poisonous chemical that was used on a plant or for vermin control. Although I never let him outside alone, I do frequently walk with him on a leash, and he likes to sniff everything, taste-sample certain plants. In each instance, ASPCA paid just what I contracted for, without a "runaround" or some surprising exclusion that was not in our original contract. Any question I had about their benefit payment, the well-defined EOB statement they send, was answered clearly and without delay by a trained and professional human being, and I had no problems reaching one by phone. And it seems that everyone I have communicated with at this company is truly an animal lover! I am very thankful and relieved, to have this excellent, reasonably-priced insurance.

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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