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.
5

out of 5

POSTED: | BY: Kappie Hochman

Every family member needs health insurance

Our two year old Golden Retriever, Cara, suddenly became listless, lost her appetite, and ran a high fever while we were visiting relatives over a weekend. A recommended emergency veterinary hospital diagnosed pnumonia. She needed xrays, IV's, antibiotics, and round the clock care for three days before she was well enough to travel home with us. The bills were over $1,400. We felt so grateful that ASPCA Pet Insurance was in place to turn this stressful experience into something we could all easily put behind us. Sign your pet up now before illness or accident strikes.
5

out of 5

POSTED: | BY: George

Received insurance reimbursement as promised

My dog was bitten by another dog while walking on a nature path. She was bitten on her front right paw. We took her to the emergency animal hospital where she received about three staples. The price was high but I felt comfortable knowing that my insurance would cover the majority of the costs. The ASPCA pet insurance met all of the standards that they had committed to when I first signed up. This was the first time I needed to use my insurance and I have been very pleased with the service.
5

out of 5

POSTED: | BY: Kerry Niro

Peace of mind

We had a cat that became sick when he was 4 and the medical bills over the next 10 years was alot. We wished we had pet insurance then. So when we decided to add to our family again we didn't think twice about it this time especially with 2 brothers who play hard everyday. It is great knowing that if something should happen we will have help with the bills. I researched different companies but found that ASPCA had the best plans for the price along with a good reputation. Just for wellness care so far in their 1 1/2 of life it still makes a difference.
5

out of 5

POSTED: | BY: EULELIA ANN

great pet insurance

this is the best pet insurance i have had. i lost my 2nd peke 09-10 due to a 1 year battle with congestive heart failure and the insurance i had on her didn't cover like this one does.i am very happy with the insurance i have on betty and would recomend it to any pet owner.
5

out of 5

POSTED: | BY: marcia English

Amazing Insurance for my Peekapoo

Ginger was bit by some sort of bug, all night she was not her self took her to her vet. the next morning and was hit with a 200.00 bill sent it over to Pet Insurance and with in 2 weeks I got a check back for 145.00 AMAZING INSURANCE peace of mind
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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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