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: Barrett

Affordable peace of mind

Our Chocolate Labrador Retreiver, Wally, has been covered by ASPCA pet insurance for the past two years. While the insurance doesn't cover the cost of routine vet visits, it has paid for itself already and has given us the peace of mind that we won't be forced to choose between doing the right thing and ending up broke. It makes having a curious playful dog a lot less of a financial roll of the dice.
4

out of 5

POSTED: | BY: Jim Lackey

Happy to have Petshealth Insurance

My wife and I adopted two German Shepherds about three years ago. Never having had dogs previously, we were pretty clueless about the potential for large medical expenses (I’ve had cats my whole life; they don’t get into much trouble while sleeping all day!). Dogs, on the other hand, seem to be a magnet for problems. Before we explored Petshealth Care Plan Insurance, one of our dogs was bitten by the other dog, opening up a huge gaping whole near his hind quarters. Several weeks and thousands of dollars later, our dog was better. If we’d had pet insurance then, we would have save a TON of money. Since we’ve had insurance from Petshealth, we’ve had to deal with a plethora of “issues” with our dogs, and thankfully, our insurance has been there for us. Frankly, we downgraded to “basic” insurance to cover accidents, injuries, etc., which doesn’t provide as much benefit as the previous plan, but this is more affordable and fits well into our budget. We urge our friends with pets, particularly dogs, to investigate pet insurance; specifically, Petshealth Care Plan. Appreciatively, Jim Lackey Carlsbad, CA
5

out of 5

POSTED: | BY: Brian McClemens

Blessed To Have !!

Good Morning, I am writing to Thank You for the insurance i have thru your company. Millie, My rescued Beagle had a tough life before she found us. I am so Blessed to have this insurance as Millie has needed surgery for tumors on her underside. She has also had a hernia operation. And she found her self eating chocolate covered nuts !! Needless to say , I had this insurance which paid for 80% of the cost for all these surgerys !! In these tought econmic times I could not ask for more than i have gotten from this insurance policy . I have had other Pet insurance in my time but NONE even come close to the policy I have with you !! my other Begal Corkey is covered too but has not had to use the insurance but i know if something would happen you would be here to save the day !! I cant praise you enought !! Millie, Cokey and I thank you !! Keep up the Great Job !! Have a Blessed Day !! Brian
5

out of 5

POSTED: | BY: Lisa Godsil

I can't imagine not having pet insurance

I've had this pet insurance for the last few years. Luckily I only needed to use it for routine stuff and the coverage was great for this. Recently my dog had to go to an emergency service with a follow up with our Vet. This was very costly but cost was not a question. The insurance helped me alot by covering most of the bill. The cost was never an issue but it's comforting to know that if something happens to your pet you don't have to worry there is help with ASPCA Pet Insurance.
4

out of 5

POSTED: | BY: Kelly

ASPCA Pet Health paid off

I got a medium-level insurance plan from ASPCA for my young dog. I don't expect any major health problems, but she is very active and I worry that she'll have an accident playing too hard. It cost me several hundred dollars to get a vet to even look at some tiny cut she got on her paw pad, so I wanted an affordable plan that could limit how much I'd have to pay for vet visits like that. ASPCA's level 2 plan is great. Affordable price each month, and I met my deductible within a few months of signing up.

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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