ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,653

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,653

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: Irene

Very Satisfied

CiCi had eye problems and due to lack of work I couldn't afford to pay for the unexpected expense.So I got her pet insurance so that my dogs health will not be compromised due to lack of funds. Thanks to ASPCA health coverage CiCi has the coverage that is suitable for her individual needs. After all she is family.
4

out of 5

POSTED: | BY: Maria Sanchez

No Complaints

I've had pet insurance for my dog and two cats for about 2 years now and I have no complaints about the quality and level of service I have received so far. Although I have been fortunate to not have to use it that often, when I DID (my dog had some bladder issues) - I received confirmation my claim was received, when it was processed and I received my reimbursement in a reasonable amount of time.
5

out of 5

POSTED: | BY: Ruth

Good to have protection when you need it most.

We rescued a Schnauzer that had heartworms and came with an insurance plan free for one year. Since we were not sure if there would be any residual effects from the heartworms on his heart or any other problems, we kept the insurance after that one year however it did not cover any preventative so we decided to switch to ASPCA which does cover preventative. We have been blessed to have very few problems with our dog however the preventative is such a big part of his care and expense. We are glad we have the coverage. With my last dog, who was 12, we had over four thousand dollars in expenses the last 3 months of her life and we did not have insurance. Many companies will not insure older dogs and this one does, although you do pay more it is a benefit we think is reasonable once a pet becomes older. We thought about setting up a pet savings account but just felt that the insurance would be a better option due to all the unknowns. While it can be expensive, it does allow peace of mind and ASPCA has always treated us fairly and given us good options for coverage.
5

out of 5

POSTED: | BY: Laurie Lasky

Petshealth delivers peace of mind

My golden retriever Sadie, now 9 yrs. old, has had her Petshealth policy since she was a pup. The company has changed hands a few times and was not always reliable. Since it's current ownership has taken the plan under its wing, this insurance policy has more than lived up to its promises. I love this health insurance! Claims are processed promptly and the customer service is awesome. They are patient and knowledgeable, taking all the time in the world to answer any questions I might have about Sadie's health and how it relates to my policy. I have complete peace of mind, knowing that I can count on Sadie's health insurance to give us all the options we could ever want as move into the final third of her life.
4

out of 5

POSTED: | BY: Mani

good service and reimbursement

Our poodle had a rough 3 months with recurring infections and ended up having many tests and x-rays. ASPCA was very fair and decent in their reimbursements and gave us peace of mind that we could do what was needed--and she is finally well!

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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