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: Rigo Martinez

Just In Case . . .

We have rescued two dogs, we don't really know either of their medical histories. Our second rescue is accident prone and well 1500 dollars later, she is doing fine. We purchased ASPCA insurance after we tried a competitor, nothing we claimed was approved thru them. Our last visit which was pretty much a wellness check-up and booster shots- over half was reimbursed (none of which would have been covered by the other insurance plan) Our dog is doing fine now, and the insurance at time feels like over kill. But anything can happen with our pets so we have peace of mind knowing, she is covered and we don't have to worry should something happen.
5

out of 5

POSTED: | BY: michael bianchetti

super

I'm very happy happy wiyh this policy and I recommend it to others
4

out of 5

POSTED: | BY: Erin Grimes

Cafe 6/12/12

Good response time on confirming receipt of claims. Some claims are processed sooner than others (2-3 weeks vs. 3+ weeks), but overall seems acceptable.
4

out of 5

POSTED: | BY: Kent

Satisfied Customer

So far ASPCA Pet insurance has beeb everything we expected. Claims have been processed quickly.
4

out of 5

POSTED: | BY: Jamie

well worth it

I highly recommend all pet owners have insurance. This insurance is great because I never have problems with my claims, and they have covered everything for the two cats that have been insured by them.
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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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