ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,652

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: Robert Dewar

My cat's broken leg required orthopedic surgery

We are glad that we had Petshealth insurance for our cat when he came home with a broken leg. We would not think of putting our little tiger down if there was a cure, but taking our pet to the vet is getting to be rather expensive and without pet insurance we would be risking severe economic hardship. My only regret is that I had taken only the basic plan but after this experience I am probably going to increase my coverage.
5

out of 5

POSTED: | BY: Lee Boyack

ASPCA Insurance is responsive, honest and easy.

We have used ASPCA for over a year now. We signed up when our dog was just 4 months old. It's been a real benefit having ASPCA insurance and they could not be easier to use or more responsive. I recommend them to any pet owner.
5

out of 5

POSTED: | BY: Mark

thank you

In 2007 I lost my friend my companion my only source of company. MY GOLDEN RETRIEVER "KACIE" she was about seven years old when she started having episodes shaking and other very freighting things. Having not very much money I could not afford to get the testing done which could have made her be with me longer. She lived another three years and about six months before I lost her she had a stroke and the side of my baby's head sunk in. June 12th of 2007 I carried my beloved friend into the vet and left without her. To this day the mere thought of her I am choked up I loved my baby and she loved me. Christmas 2009 my daughter bought me the KYAH another golden she can not replace my KACIE but she in her own way has all my love. I was not going to loose another companion when there are other options, which brings me to ASPCA pet health insurance for the very low cost of the premium I know that if there should ever be a time when I have an option to save my baby I feel that ASPCA can come to the rescue. I have health Insurance on my family now I have insurance on another very important part of my life. My KYAH!
3

out of 5

POSTED: | BY: Coco

so-so

They are upfront with what they say they will pay. But its painful to fax over receipts; it would be nice if you could simply scan and electronically submit receipts.
5

out of 5

POSTED: | BY: Maria McKee

Thank you for helping my pet.

I have a 11 month old Bullmastiff, named Bocce. Bocce is very inquisitive and has a way of getting into all sorts of trouble. I had been trying to leave Bocce uncrated for very short periods of time when I left the house. He seemed to be doing very well UNTIL one day that I left him for two hours. I removed all of the potential hazards (or so I thought) from the room, but when I returned home I found my living room covered with pillow stuffing. He had demolished 3 of the 4 throw pillows in the room. I hadn’t realized that he ate the stuffing until he started to vomit later on that evening. I took him to the vet, and they advised me to have a series of xrays taken to determine if he had an intestinal obstruction. I knew that this would be costly, and that the pet insurance would most likely not cover the xrays, because this was not an illness. I chose to have them take the xrays regardless. There was no obstruction found, only a belly full of stuffing. We had to play the waiting game to see if an obstruction would occur, and surgery would have to be performed, or if he would pass the stuffing without a problem. Thank God, he did not get an obstruction. I submitted a claim as a formality, and sure enough ASPCA Pet Health covered the occurrence. This was a blessing to me, and truly any time I have filed a claim or had to deal with ASPCA staff, it was a breeze. The staff there are very concerned and caring. Getting this coverage was one of the best doggie decision

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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