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: Meighan W

Couldn't be more thankful!

At first we were skeptical about pet insurance, is it really neccessary? Yes!!! Being that we now have 3 dogs ranging in ages 4 months to 13 years we can see the reasoning behind it. We have our oldest dog diagnosed as diabetic and 2 younger Labs that are super mischievious. It has given us peace of mind that if something isn't quite right there is no need to wait to get them taken care of! Would you wait on your kids to the Dr's? Our 3 year old Lab became very ill at the age of 6 months and 3 trips to the vet later she is happy and healthy! Best part was knowing that after a total of $1500 we were reimbursed a good portion of that. That in itself paid for the policy. Just like "our" insurance policies there are exceptions but I would recommend ASPCA Health Insurance to anyone!
5

out of 5

POSTED: | BY: Denise Wallace

Fast and easy claim.

ASPCA was great, it was easy to file and I received emails keeping me updated. This is the first time that I have insured a pet and I would definetely recommend ASPCA insurance for your pets.
5

out of 5

POSTED: | BY: Richard

Great

Change your claim paper work back so we are able to fill it out on line.
4

out of 5

POSTED: | BY: Linda Bloom

Major Medical

My German Shepherd had an abcess in his jaw and needed the tooth removed and lots of antibiotics - it was over $700.00. Sunny and Cassie were breeder dogs and Sunny had surgery worth over $900.00 for a mammary gland infection, Cassie had terminal cancer and her final bill was over $900.00. So, yes the insurance helped me. It takes a really long time to process the claims though, usually at least three months, which I think is an excessively long time.
5

out of 5

POSTED: | BY: Judy Shane

I tested. ASPCA passed.

I have four pets - i decided to insure one as a test of the insurance program itself. The insurance terms were clear; i thought if i ever needed to file for it, i would know whether the plan was worth the investment as compared to just paying vet bills if/when they arose. turned out the pet i insured needed a lot of tests. ASPCA paid just as the contract said, and they paid quickly, over $500. I immediately enrolled the other three. it is worth it to me to know that i need never delay or dread a vet visit. i'm totally convinced of the value.
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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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