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 Allen

Not worth the money

I think it great to have pet insurance, especially when you first get a puppy and just to have it just in case something was to happen. I own a bichon frise, and he has gotten sick alot with allergies. ASPCA, only covers certain items and covers 80% of what they think a vet should charge. I found a great vet in my area, but she is pretty pricing, but I feel so comfortable with her. An example, my dog just had a heartworm test, $75, ASPCA, only covered $35, times that my 80%, I recieved $28 refund. I have had this insurance for 2 years, since my dog was 8 months old. I will not be renewing this insurance.
5

out of 5

POSTED: | BY:

faithful pet

I have had pet insurance on my american bulldog Bandit for 2 yrs unfortunately he developed cancer in his testicles and had to have them removed. I wish i would have had pet insurance on my other american bulldog who was diagnosed with a brain tumor which cost me about $7,ooo.00 to try to cure. Unfortunate he was diagnosed to late and I had to put him down. MAYBE with earlier diagmostics he would lived longer then 6 years old. I now think that all animals with the food that they eat are now prone to human health problems. pets have been domesticated for centuries, only since the 1930's when the FDA originated and the food was not allowed for human consumption was it made into dog and cat food. I am up in age now and Bandit is like another son and he depends on me to protect and take care of him. Thank You.
3

out of 5

POSTED: | BY: Dog mom

They don't cover enough

Very limited coverage. They nickel and dime you, saying that just about everything you were charged by the vet cost more than their "standard" reimbursement rates, so you only get 80% of a portion of what you paid. Plus they don't cover lots of things that vets charge you for.
5

out of 5

POSTED: | BY: Lynsey

So helpful!

If it wasn't for the health insurance I wouldn't be able to afford my dog.
3

out of 5

POSTED: | BY: nancy bixby

overall good coverage lacking in some basics

I just found out that you consider a pre-existing condition anything covered in the previous year? Is this correct. If so I will change policies asap. I read this in an E-mail above from a customer. Otherwise coverage is good but I wish you would cover well being items such as flea meds.

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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