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.
5

out of 5

POSTED: | BY: Jane

Customer service is the best

For the past 2 years i have been with Aspca Ins. The customer service is outstanding and the claims are done in a very reasonable amount of time
4

out of 5

POSTED: | BY: lauren ganim

Wouldn't You Do Anything for Your Fur Baby?

I would. I've had the insurance for approx 3 yrs and have thankfully only had a handful of times when I've had to use it, but the reimbursements have always seemed fair. It's peace of mind to know that I wont go totally broke if anything should happen to my babies- and I have a pug, and even though the breed is known for having more health problems, he got the same premium as my Laberdoodle. I've seen too many friends go broke paying for surgeries- I recommend this to all my friends and colleagues with pets.
4

out of 5

POSTED: | BY: Carol Taylor

Pet insurance is a good thing!

We have three extra-large dogs in my household and after several very expensive treatments, we decided to purchase pet insurance for them. Recently, Spice, our bull mastif/French mastif mix, was a very sick girl! She had something called MMM which made opening her mouth very painful and could have resulted in her jaw being locked, if our wonderful veterinarian hadn't diagnosed it correctly and began treatment right away! Turn out to be an expensive problem with her having to spend a week at the Vet's and having a bunch of treatments! The insurance covered a large part of the expenses - and it was great not to have the "money" issues influence what we were able to do for Spice!
5

out of 5

POSTED: | BY: Terisa Fox

Accident Coverage has been a lifesaver.

We live on a ranch with our active three dogs. Unfortunately, when the weather warms up in April and early May, we have a problem with rattle snakes coming out of their hibernation. Each one of our dogs have been bitten and we have been lucky enough to get them medical treatment in time. The ASPCA Pet Insurance Accident Plan has been a lifesaver for us and them because the expense for this kind of treatment is at least a couple thousand dollars. Bee stings, torn nails, and stepping on sharp objects are all covered on the Level One Accident Plan, so it makes good economic sense to have this level of coverage. Thank you ASPCA for being so friendly on the phone.
4

out of 5

POSTED: | BY: Sydney

Like the Security, but want more coverage

i like the security of knowing my dog is covered, but the rate that expenses can pile up is astonishing. i just would like more per incident coverage. i was told that at the next renewal of my plan i can get twice the per incident coverage for about the same rate i am paying now. i would also like to see the expenses covered more, they always have an excuse to not cover part of most expenses.

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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