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: Paul Aex

Just what we need.

When we got our last dog, we decided to get pet insurance. We are retired and on a fixed income. Our last dog had lots of problems and our vet bills were frequent. So far we have had two expensive emergencies. One was poisoning from mushrooms and the other was from eating grapes. The latter also met an overnight stay at the vet hospital. We probably would have to consider not having pets if we didn't insurance.
5

out of 5

POSTED: | BY: Terry Howse

Great to have...

We decided to get pet insurance for our Yorkie. Being that they are smaller dogs, and quite possibly more prone to having issues, we thought it would provide us with the security of knowing we would never have to choose between our pet’s health and our pocketbook. As many of you know or will find out, dogs are really a part of the family…we see our dog like he is just another kid. With that said, we never want to compromise our ability to do what we can for him. Having pet insurance allows us to do just that. The ASPCA org. is very good in terms of customer service and we have been satisfied with the level of coverage that they provide.
1

out of 5

POSTED: | BY: Shawn

Not worth the money

Purchased level 4 insurance for my dog 4 months ago. He recently got antibotics for anal gland infection. The meds didnt help. Doc says we need surgery and insurance said cant help becuase dog was prescribed antibiotics 6 months ago. ASPCA does everything in there power to deny the claim. A big waste of money.
4

out of 5

POSTED: | BY: Barbara Roller

Efficient

Fair and quick turnaround on claim
5

out of 5

POSTED: | BY: George Rozinak

My Tucker is my heart and soul.

I had an incident with my black Lab, Tucker last fall when I had him out running. He is a champion bred Labrador. He was snooping over in the weeds and all of a sudden there was a great commotion. I couldn't see him, but I heard him. I wasn't quite sure what he tangled with at the time. However, I could see he was shakened up. I leashed him up and we went home. I didn't think much of it that night. The next morning, Tucker seemed listless and was walking strangely. I noticed his paws were swollen and tender looking. I took him to the Vet and he decided to do a series of tests and keep him for observation. He suspected a spider bite or a bee sting. Something was attacking his immune system. They started him on steroids and strong antibiotics. I told him about the incident and said that I suspected a snake bite from a copperhead. Well, to make a long story short, Tucker made a full recovery. I knew my decision to have health insurance on him was just as important as having it on my kids. I never want to be put in a position of putting my best friend down because it was too expensive to treat him. ASPCA Pet Insurance has been a sound choice because of the comprehensive coverage and good value. The claim was handled very efficiently. There is nothing I wouldn't do for my friend. Tucker is my heart and soul.

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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