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: CHRISTINE M

THANK GOD FOR PET INSURANCE

AFTER MY MIXED LAB BRANDY WAS DIAGNOSED WITH DIABETES I DECIDED TO PUT ALL MY PETS ON HEALTH INSURANCE. I CAME HOME FROM WORK ONE MORNING AND THERE LOOKED LIKE SOMEONE HAD BEEN MASECARED IN MY HOUSE. THERE WAS BLOOD EVERYWHERE BLACKJACK,MY PUREBRED LAB HAD SPLIT OPEN HIS TAIL AND WAS BLEEDING BADLEY. I COULDN'T GET A BANDAGE TO STAY ON IT ,SO I DROVE HIM TO THE VETS LIKE THAT. IT TOOK THREE OF US TO HOLD HIM DOWN TO GIVE HIM A SHOT. WE CAME HOME WITH A CONE AND WRAPPED UP TAIL.HE WAS SMART ENOUGH TO BUMP THE CONE AND PUSH IT BACK SO HE COULD CHEW OFF THE BANDAGES. AFTER AFEW TRIPS TO THE VETS AND BLACKJACK CHEWING ABOUT 4" OFF HIS TAIL WE HAD TO GET IT AMPUTATED. I PUT THE SURGERY ON A CARE CREDIT CARD. BECAUSE I HAD PAID THE DEDUCTABLE FROM BLACKJACKS PREVIOUS VISITS I WAS ABLE TO PAY OFF THE CARD. THANK GOD FOR ASPCA.
5

out of 5

POSTED: | BY: Sandra Page

ASPCA is a great investment for my little love.

ASPCA has always been very considerate and caring when i have needed them. Even when I was upset due to the injuries of my sweet miamine the representatives helped me to feel better and reassured me that they were there for me if I needed to ask questions, talk and demonstrated their love of animals as well. ASPCA has always been timely in processing and reimbursing me on my claims. I am proud to have this insurance on a little someone that loves me so unconditionally as I love her. My Kmiamine!
1

out of 5

POSTED: | BY: Al

Horrible

Did not follow through with promised coverage. Total scam
4

out of 5

POSTED: | BY: Marie Wilson

Decisions

We once owned a little sweetie named Daisy. Daisy was a chihuahua and in her seventh year got lymphoma a type of cancer. We spent thousands on her care and it would have been nice to have insurance. Now I am one of two mothers for CoCo and when we got her I said " No insurance, No dog" We have already saved money. It is easier to come up with monthly charges than thousands once your Little one gets sick
5

out of 5

POSTED: | BY: Jeff Dutka

ASPCA insurance testimony

ASPCA insurance provides me with peace of mind in the event that my dog needs serious medical attention. My plan provides coverage for basic sickness and/or injury (above and beyond the modest deductible) and the reimbursement process is fast and easy. I will always have insurance for my pets and because of the great work that ASPCA does across the board for the welfare of animals, I will always use them. The only downside is the pre-existing condition clause. I hope I never have to worry about it but if for some reason my dog needed treatment over an extended period of time, I worry that the financial burden could be significant. If there was at least a way to ease that burden on the front end for being a loyal customer, that would be great. But other than that, I couldn't be happier or more confident in an insurance plan for my little Buddy (that's his name).

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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