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: JOANNE

MY LIFE WITHOUT LILLIE

In 2001, my husbvand and I lost our black Lab, my husband knew how upset I was and he was the same after all Mickey was 17 years old. My husband started looking for an Australian Shepard, we found a litter of pups in our area and we went over to take look. We walked into the puppies cage area and I feel in love with this 6 week old female she was merle colored and had one blue eye and the other eye was half blue and half brown. Both her parents lived on the horse ranch with the pups. We tookher home with us and the next six years were a pure delite, everytime I went to the store and shopped I would pick her up a toy. When I would walk in the house she immediately had her head in the grocery bag to find her toy and would play with all the 300 toys she had and never chew them up. On December 5,2007 she stopped playing and eating, I immediatley took her to a veterinary hospital and unfortunately the vet misdiagnosed her illness. On December 19, 2007 I took her to another veterinary hospital and the Veterinarian there stated to me that he did not like what he was feeling in her abdomen and he wanted to do surgery on her. He asked me to go home and he would call me from the operating room. Three hours went by and I was about to go crazy when the phone rang, it was the vet and he stated that he was standing in front of Lillie and he stated that she had over 40 cancerous tumors along her back bone and in her bladder and her liver. He stated that to keep her from suffering
1

out of 5

POSTED: | BY: Camille

Never would recommend them

They wanted your money but when it came to filing a claim they did not want to cover anything. Typical for an insurance company.
3

out of 5

POSTED: | BY: Marai

ASPCA

I have been with ASPCA for a while. I really like the 100 dedcutable per YEAR and not incident. HOWEVER, I recently found out that if my dog got diabetes on June 30 (my renewal is July 1) she would be covered for that one day only. I thought she would be covered for the entire year. I a have been looking at other insurances and so far..... Pet Plan might be good.
5

out of 5

POSTED: | BY: Maki

My crazy girl and her borther

My baby girl Kira attacked her littler mate rother, Rocky. They do play rough sometimes but this was all out fight. Sweet Rocky defended himself but did not inflict any wound to Kira. We had to take Rocky to the vet for stiches. Bills weren't huge, but we are already feeling bad about dog fight, Rocky's wound and cost of vet bill. I was actully not sure if dog fight was covered, so I called ASPCA insurance. Operator was really nice, and claim process was simple. Before I had to pay credit card bill, I received a check from them,
5

out of 5

POSTED: | BY: Penny

Ecellent Customer Services

I have a 10 year Old English Sheep dog, name Gurt, she has a lump on her face and thank goodness it is not cancer. They removed the lump in surgery and then she had blood in her stool, good thing it was only stress from the surgery. Gurt is doing great and ASPCA was excellent. I never had Health insurance for her, it was a relief with all that happen in a short amoutn of time, received checks in a timely manner, they even checked up on Gurt. Thank you ASPCA for taking older dogs. Customer Service was excellent as well with question I had concerning my claim forms.

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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