ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,884

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: Kristen Jacko

The best investment I've ever made !

My experience with ASPCA insurance has been nothing less than perfect. The process of filing a claim could not be any easier and turn around time is excellent. More importantly it gives me the security of knowing I can get the best possible care for my dog. I have had 2 dogs on this insurance plan sadly I lost my Rotti suddenly a year ago I dont know what I would have done without the insurance. I now have my American Bulldog on the plan and thank goodness for that because this last year has been rough for her. The people who I've spoken with at ASPCA insurance are absolutly precious they are so caring and its quite obvious they truly love animals. Its not just a business for them you can tell by talking with them they love animals as much as we all do and want only the best for our pets. Very compassionate people who love what they do.
5

out of 5

POSTED: | BY: Portia

Bella's 1st check-up

Bella is our 2nd dog, we had a Pom, name CoCo. I regret not having Health ins. for CoCo many times. When we decided, CoCo was too old, and we learned from that experience. Bella is now the new member of our family and with any family member, you want to cover every base needed for the "Well Being" of your family. ASPCA gave us very affordable rates, and their rep. have been very helpful assisting us with our questions and needs. ASPCA has quickly email us with response to Bella's and our needs. We thank God that there is affordable health ins. for our "Bella"
4

out of 5

POSTED: | BY: Pam

There when you need it....

It's kind of like having a Home Warranty...to pay the premiums and pay and pay, and THEN your A/C goes out. As my Weimeraner gets older, I'm glad I have it. I have the Primary Plan, which is right in the middle of policies. I do wish more was covered w/this plan, but I'm happy to get the reimbursements that come to me. Knowledge is power!
5

out of 5

POSTED: | BY: elizabeth

Raymond

This past summer my 16 month old matipoo Raymond was enjoying the back yard with his brother Robert. They love to run and chase each other. That same evening I noticed Raymond was unusually quiet and he hardly touched his dinner. Lately that evening he began to vomit and become listless. He proceeded to vomit most of the night. The next morning I rushed him the vet and he discovered that he had swallowed a rock. Unfortunately the rock would not pass on its own and Raymond would need surgery. The surgery cost $1,160.10 and my ASPCA pet insurance covered $884.23 of it. I am so thankful that Raymond’s surgery was successful and that I had health insurance coverage for him. Thanks ASPCA for the wonderful service and peace of mind. Elizabeth Sposito
5

out of 5

POSTED: | BY: Barbara

All that I thought it would be

We recently took a trip to Georgia to visit our daughter and her family. During our stay our dog Nico who is a Shih Tzu became ill. We didn't know how serious it was until the third day when he stopped eating and began vomiting and diarrhea with blood. It happened to be the fourth of July weekend and the only vet that was opened was the emergency vet. We took Nico and they diagnosed him to have a upper GI infection and that he would have to stay overnight. They estimated the bill to be approximately $700. The doctor said he would let us talk about it before making a decision. In our eyes there was nothing to talk about. We wanted Nico to have the kind of treatment he needed no matter what. The vets were great with him. He stayed overnight and was treated with antibiotics, IV for liquids and also for food. After picking him up and making the trip back home, I submitted the bill to ASPCA and they were all I thought they would be. The vets gave us an itemized bill for his stay which came to 697.00. I turned this into the insurance and within 4 weeks they covered 80% minus my deductible. We didn't need to choose like most of us do when you are presented with an emergency illness. Pet insurance should be the first thing you think about when buying an animal. I would not be without the coverage and peace of mind.

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.

Get a quote today

Leave a review