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 Lasky

Peace of Mind

When purchasing health insurance for our then young golden retriever, we did it for peace of mind. If she were ever to have a health crisis, we knew we would never be forced to choose between financial considerations and Sadie's life. We have been fortunate with our girl - no life threatening illnesses. But Pets Health has been more than fair in defraying the often expensive costs of keeping her well. Customer service is wonderful and the company is fair and responsive. As Sadie aged we added a continuous coverage rider, which essentially eliminates the pre-existing condition clause. That has been worth every penny. I highly recommend PetsHealth.
4

out of 5

POSTED: | BY: Mona

Happy to have ASCPA Pet Insurance

We decided to get pet insurance for our yorkie about the time both our cats got ill and had hundreds of dollars in vet bills for tests, prescriptions, etc. Then the yorkie fell ill with leg lameness and i was so happy to have had the insurance. It is great peace of mind to know that if she gets ill again we don't have to worry about the cost of going to the vet. Highly recommend pet insurance!
5

out of 5

POSTED: | BY: Kruti Patel

50% Coverage for 100% Satisfaction

My cat pepper developed crystals in his urinary tract this past April 2011, which resulted in his inablitity to use his litter box and form blood in his urine. We took him to his veternarian who diagnosed the condition and then proceeded to treat him. Right away the first set of charges we were charded was i/a/o 2,221.06, and then we had to bring him back for further tests which amounted to 1,201.50 bringing our total costs to 3,422.56. Fortunately, pepper made a full recovery from his illness and is back to all his crazy antics. I submitted my claim to ASPCA and received a check i/a/o 1,739.58 under his insurance coverage. We were so grateful to have ASPCA Pet Insurance which helped pay for most of the vet bills. There was some delay in the claim process that required me having to make several calls and resubmissions of all my documentation, however the overall experience was great. The representatives on the phone were very courteious and professional. Being the first time that I had to use my insurance coverage for pepper I would say "50% Coverage for 100% Satisfaction."
4

out of 5

POSTED: | BY: James Brimmm

ASPCA is necessary with todays expensive pet care

My toy poodle was attacked outside my back door by two of my neighbor's african hounds. Luckily, she was able to escape under my car to avoid fatal wounds. As it was I had to take her to the vet where she underwent an operation and was admitted to the pet hospital for a few days. Rather expensive, but ASPC paid 75% of my bill.
4

out of 5

POSTED: | BY: Jennifer

Nala's Paw

Our Sheppard mix had a nasty thorn in her paw. We couldn't get it out so the vet had to...sounds simple but with general anethisia the bill really ran up. Pet Insurance didn't cover the whole visit but it paid about half the bill. I was very happy with how quickly they paid the claim. I would recommend anyone with a pet get ASPCA Health Insurance!

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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