ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,660

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,660

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.
1

out of 5

POSTED: | BY: Danielle

Terrible when you need them!

I find this company to be awful. They never pay the full bill, first. Second, my cat needed a series of diagnostics to figure out what was wrong with him. Most were cheap, and not even claim able, but then it came to his $400 ultra sound. They refused to pay it because he showed symptoms of the illness in the previous plan period.They said I needed to have continuous care insurance (at additional cost) to cover this. Well, he wasn't getting sick, then better. It just took us a while to figure out what was wrong. Now he will be fine, but they refused to pay and were rude when I queried it. STEER CLEAR!!!!!!!
5

out of 5

POSTED: | BY: Susan Gordon

Satisfied Long-time customer

I have been a customer for over 10 years having insured several of my cats. My 10 year old healthy Maine Coon died suddenly from heart failure and the over $1,400 claim was handled efficiently. However, I appealed the payment as I thought some of the items could have been covered more. They reviewed my claim and sent me an additional check. We continue to have coverage on another cat in the household and I would recommend this company to anyone.
5

out of 5

POSTED: | BY: Laura LaCara

a little tooth can cost plenty

I've had ASPCA on two different dogs. They helped me with everything at the end of life for my first one. My new dog broke a tooth and it was absessing. They were quick on their part of the payment and soon I will update to the regular plan when she is older.I also appreciate the one time deductible instead with each occurance.
4

out of 5

POSTED: | BY: Toni

Efficient

...
4

out of 5

POSTED: | BY: Jean M.

Comforting

We adopted a Schnauzer (mix) from our local humane society who, at the time, was about 3 years old. Because we weren't sure exactly what we were getting (we were told to take him to a local vet for a free initial exam) but still, who knew if he would have a heart condition or something that would be expensive to maintain. So, why not start him out with some insurance and that's exactly what we did. Altho we've had our dog for three years now, he's a healthy son of a gun but it's good to know that ASPCA is there. We've had to put in an insurance claim just once (he was bitten) and a check was in the mail within a few weeks. I recommend pet insurance to everyone, especially if they're adopting.

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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