ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,676

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: Sarah

Peace of Mind

We lost a pet at only 2 yrs old from AIHA after spending thousands to save her, even traveling to OSU for research. We knew we needed something to cushion such a large expense and found that with PetsHealth. We have had their plan since getting our latest dog who is now 7 yrs old. She was recently diagnosed with Diabetes and the offset of cost with the insurance has been quite helpful. I would suggest it for any pet owner who would ordinarily consider expensive treatments but would like a small portion of the expense covered.
4

out of 5

POSTED: | BY: Noelle

ASPCA is wonderful

We are very happy with ASPCA pet insurance and have had coverage for over 2 years for our two dogs. There have been some unexpected vet bills and it was reassuring to know we had good coverage and timely reimbursements. I feel the premiums and annual deductibles are reasonable and do not "break the bank".
5

out of 5

POSTED: | BY: margery tabb

good insurance to have

My cat Cayenne had her tail amputated due to an infected cyst. The insurance really helped defray the cost.
5

out of 5

POSTED: | BY: Gloria

EXCELLANT!

WOULD NOT BE WITHOUT-EVER AGAIN. OUR FIRST GOLDENWAS EUHANIZED-SAD SAD CASE-ASPCA WAS THERE ALL THE WAY. KIND AND SYMPATHIC.OUR 2ND GOLDEN INGESTED A STRING TOY- DO NOT PURCHASE THE..OUR YEAR AND HALF BABY HAD EMERGENCY SURGERY. 5 DAY ORDEL 2200.00 COMPLETE..ASPCA AGAIN WAS THERE FOR US..GET YOUR FUR BABIES INSURED.
4

out of 5

POSTED: | BY: Lauren

So far so good!

I've had my dog Preston on ASPCA health insurance for almost a year now and have no complaints. There's been a few small incidents (tick and foxtail removal) that have been partially covered, depending on the accompanying prescriptions, but ASPCA was really great to have a few months ago when Preston was hit by a car. I can not stress enough just how important it is to have SOME kind of insurance -- I was able to focus on Preston getting the best care instead of worrying about the bill the whole time. ASPCA followed up less than a month later with the reimbursement check, cutting our $2,000+ bill down to about $500. I was at first annoyed by having to pay the $100 deductible, but after seeing that most other insurances have a deductible per incident, the ASPCA plan seems a bit better.

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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