ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,840

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: Sarah Skoronski

Saved my horses life

Saved my horses life! I’m a small animal emergency vet tech and it’s difficult to find insurance that covers horses but I was able to go forward with emergency surgery since I was backed by the ASPCA insurance! Forever thankful.
1

out of 5

POSTED: | BY: John Belmonte

This is the worst pet insurance

This is the worst pet insurance, I have never made a claim and my insurance just continued to increase. when I asked why they said age which is understandable, they also said because of the amount of other boxers were making claims. I dont see how my dog who is healthy should be charged for dogs that are not. I would even understand if it was a slight increase but an increase of 93 dollars. This is a total money grab company. whish I could give negative stars.
5

out of 5

POSTED: | BY: Michelle Lewis

As a diligent pet parent

As a diligent pet parent, I always keep up with my dog Buddy's health needs, including regular deworming. After reading about various options, I decided to try the one my vet recommended. The entire process was straightforward, and the dosage was easy to administer. I was thrilled to see Buddy respond so positively to the treatment. His energy levels surged, and he seemed happier than ever! Additionally, I appreciated that this product is designed for long-term health, so I can continue to keep Buddy protected. If you're considering deworming for your pet, this is the way to go!
1

out of 5

POSTED: | BY: Heidi Mohrlang

Dissatisfied and they kept $ after cancellation dog insurance for my…

I purchased dog insurance for my service dog when I got him last April 2024. I also set up direct monthly payments to ASPCA to cover the premiums. As of last month, I received a letter stating that ASPCA canceled my coverage because I had not paid since August 2024. The fact of the matter is that payments set up from my personal account continued to be paid up until the cancellation letter came. I deleted that payment setup and I was furious. I have contacted ASPCA in writing and asked for reimbursement of that accumulated sum of premium payments from the cancellation date they stated and also requested all of my out of pocket and expenses I had to pay because the insurance didn’t cover these expenses sufficiently. What a racket. Vets these days offer much better payment options and those options are far and above much cheaper than ASPCA’s coverage and reimbursement. My suggestion is to stick with saving the animals, instead of pillaging from and with your inadequate and expensive pet insurance. It appears to me that ASPCA is about the bottom line rather than the safety and security of animals they claim to wholeheartedly support. This is my 2nd attempt at spreading the truth. I would have never thought ASPCA would go down this path of corporate corruption.
1

out of 5

POSTED: | BY: John Ricciardelli

Horrible

Horrible. Over charge and no help. Look else where.

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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