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: Jodi Berman

My dog is all better!

Just wanted to let you know that I was pleased with my insurance processing claim. I got regular updates from ASPCA while my claim was being followed up on and then got a refund in a timely manner. I also contacted you on my way to the hospital for some help, and I got good information from the operator who helped me. Thanks!
2

out of 5

POSTED: | BY: Oliver Edwards

Not the best communication

Rec'd email that claim was incomplete- phoned ASPCA to determine where we were deficient. They had by mail requested the records from the emergency clinic- but no one had "called" the clinic. It took me several phone calls to the manager to assure that this happened. Feel like this is insurance for people since I had to "fight" for the claim on my pet's behalf. Had I not called ASPCA to see what the delay was- the claim would've been denied.
5

out of 5

POSTED: | BY: Braeden Marcott

ASPCA Plan Delivered As Promised

Having chosen the Level II Plan with Continuing Coverage, it unfortunately became necessary to file a claim when my dog, Chance, developed an aggressive oral tumor. Requiring chemotherapy and several follow-ups, the cost added up rapidly. I have to say that I was extremely and pleasantly surprised with how well ASPCA reimbursed me without questioning or nit-picking every charge. They paid me 80% of the covered charges just as they had promised in the plan. I am extremely satisfied with ASPCA's performance in this instance and have now begun another plan for my other dog, Maddie. I could not be happier with the performance of the ASPCA Pet Health Plan Insurance. It delivered what it promised.
4

out of 5

POSTED: | BY: Dolores Miller

Senior Dog Insurance

My previous dogs all developed health problems as they aged and it became expensive to give them the care they deserved. With Casey I decided to get insurance once he reached to age of 7. Luckily he has remained healthy until recently (15 years). Pet insurance has been helpful in paying for diagnostic tests. Hopefully, he has a couple of years left.
5

out of 5

POSTED: | BY: Linda Ross

Great help.

I received a phone call the other day from someone at ASPCA who informed me that since I'd paid my $100 deductible, I sould submit claims for the annual shots my little daschund gets, as well as any other tests. She made my day. I had about $160 in eligible claims that I wouldn't have considered submitting until I received her phone call. You guys rock! Linda RS

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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