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.
5

out of 5

POSTED: | BY: Patty Robinson

ASPCA pet insurance is a life saver !

Since having ASPCA insurance, my precious little Maltese, Marily, has undergone ACL surgery, eye surgeries, and most recently anal gland removal. I really don't know how I would have afforded it all without the insurance. Marilyn is like my own child and just knowing I have ASPCA insurance gives me comfort and peace because I know I have help in keeping her healthy. I have been very pleased with the efficiency and speed in receiving a check after my claims have been filed. Furthermore, the representatives I have spoken with have been knowledgeable and very polite. ASPCA insurance has been one of the best things I have ever done for my little Marilyn....and for me.
4

out of 5

POSTED: | BY: Donna Kobzeff

Glad I had pet insurance for Chloe

My beagle, Chloe, was bitten by a large dog while we were out walking. Chloe was on her leash when the other dog broke out of his yard, ran across the street and bit her. The result was 2 rather deep puncture wounds. The vet had to sedate her, shave and clean the wounds, culture them and give us a prescription for an antibiotic. I was so glad that I had your insurance and did not stress about the cost of her care. The owner of the other dog was also glad to hear about my insurance because she immediately offered to pay Chloe's vet bill.
1

out of 5

POSTED: | BY: Concered Cat

Don't trust them because of the ASPCA name

I enrolled in this insurance a few years ago. When my cat finally got sick, they denied most of the claim. They are NOT a part of the ASPCA and the only reason they are doing well at all is because they are using their affiliation with the ASPCA to build their reputation. They are not a great insurance, Im switching to Trupanion when my plan is up. I hope the ASPCA doesnt get a bad reputation because of them!
4

out of 5

POSTED: | BY: Jeffrey Harris

Matti and Sammie

I am very happy using ASCPA Pet Insurance. I truly believe it is for major not day to day costs. In past my Mandy had a ruptured spleen ,having insurance would have been much better than $3500 out of pocket. I am currently experiencing eye problems w my Matti and insurance is my easier.
2

out of 5

POSTED: | BY: donal j.

confusing

put a claim in and after waiting a month received just over 50% of it back with no explanation why it was so low.tried to email but the website was down and now i cant be bothered following up
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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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