ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Susan

The insurance was a huge relief at a very stressful time

We are so grateful that we had Total Coverage Insurance with ASPCA. Our 7 year dachshund ruptured the disc in the middle of her back as she ran to the fence barking at a deer. She immediately lost use of her back legs. We rushed her into the critical care animal hospital and meet with the neurology department. She needed to have a MRI and the results confirmed she needed to go right into surgery on her spine. My husband and I didn't have to think about how we were going to pay the $8200 bill. We knew we had insurance for a good portion of the cost. Within a few weeks after her surgery we received a check for $5000 from ASPCA. It was wonderful to put that immediately against the bill. After her 6 weeks of recovery she was able to walk again and now after 7 months she has made a full recovery and is back to playing, running about, and walking every day. Life is good.
5

out of 5

POSTED: | BY: Barbara

ASPCA has been a great partner in the wellness of my dog

ASPCA has insured my boxer for the past 8 years since she was 11 weeks old. Sydney is and always has been an extremely active and rambunctious dog since the day we brought her home. She has gotten herself into trouble through the years and ASPCA has always been there for us to help cover the vet bills to get and keep her healthy. When I picked my coverage I selected the 3rd option out of 4 and have always been satisfied with my selection as they have helped me afford her care from paying to pull tree fern fibers out of her tonsils (twice), chronic pancreatitis and recently a major surgery on her stifle (knee) referred to as TPLO. The last was a very costly surgery and ASPCA was right there with me to help cover the costs. I feel that ASPCA has been a wonderful partner these past 8 years in helping me keep Sydney happy and healthy and I plan on being a part of this partnership through the rest of her life and hopefully with any future pets as well!
5

out of 5

POSTED: | BY: William

Most responsive and caring

Bailey, a Goldendoodle, is the second dog insured with ASPCA. We had unfortunate terminal cancer at four years with our previous Golden retriever, but ASPCA was always responsive and would have paid for more treatments but it was best to let him go. Bailey had two short illnesses, all cured, and ASPCA was again responsive and caring. Best I have ever seen.
5

out of 5

POSTED: | BY: Jerry

Made things easy on our end

No worries or stress on our end
5

out of 5

POSTED: | BY: Sean

Great to deal with

So far so good! I’ve made a few claims so far, and everything has gone smooth and they have been great to deal with. They even call and check up on your pet
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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 Insurance detail
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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