ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,662

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,662

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: Laurie Curlander

Don't be in any hurry

I am a little conflicted with this insurance company. I agree with a lot of the other reviews on a couple of points. They do not really follow up. I had a claim pending and I called ASPCA and they said they were needing more info from the vet. I called the vet and they told me that they had sent all the required info in, and that they have not received any phone calls asking for anything....bottom line, you have to do all the work to make sure your claim is being handled.Secondly, I agree with the pre-existing issue. I think they are way to strict in regard to this, and like the other review says, check the fine print! Other than that, they are a little slow in getting me my money. I have a boxer with cancer and he has to go every week for chemo, so my bills are really piling up. It would be nice if they could work a little harder, and faster in the reimbursement phase. I do think that having insurance is the way to go, and in the end, ASPCA is probably one of the best. I am glad I have it, and would recommend it.
5

out of 5

POSTED: | BY: A.R. Sokolash

Happy that I have this insurance and recommend it.

When I adopted an 8 year old dog earlier this year, my daughter advised me of ASPCA insurance that she had on her new cat. After I compared rates and other plans I purchased this insurance which already has saved me hundreds of dollars. I had unexpected medical claims for my dog which ASPCA handled in a timely and efficient manner. My experience has been positive with my coverage and I will renew this insurance and recommend it to others. I can sleep well knowing that if any unexpected issue happens to my pet I can afford to take care of major issues.
3

out of 5

POSTED: | BY: Kathy

Helpful

ASPCA helps to offset the high costs of veterinary care for our dog who happens to be pretty healthy. But the costs themselves are so high, the exclusions so big and important, and the reimbursements so modest, that it is of only limited helpfulness. I think a lot of people go without veterinary care for their pets because they just can't afford the costs.
5

out of 5

POSTED: | BY: Neal Shea

Peace of Mind equals ASPCA Pet Insurance

Knowing Tucker (my rescued Tennessee Lab) had pet insurance made me feel very confident about being able to assure him of great medical care without financial worries.
5

out of 5

POSTED: | BY: Ralph Lowe

i believe in all types of insurance

past dog had vancer and had to pay a great deal of money which i would do again so this insurance should help withe the cost

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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