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: Gloria Jean

I have never had pet insurance before…

I have never had pet insurance before and was skeptical if it was worth it or easy to submit a claim. Being an ASPCA Guardian, I decided to enroll my 3 cats in ASPCA pet insurance plan. Been enrolled since 2021, and the first time I had to use it was just recently for 1 of my cats who had Bladder Stones. They were very helpful in filling out the claim form online and the processing time was quick too! Hopefully I will never have to use it for my other 2 cat girls, but if I do, I feel secure knowing ASPCA is there for me.
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5

out of 5

POSTED: | BY: Sasha Burgstaler

Thumbs up!

From signing up to making my first claim, ASPCA was friendly and fast! No complaints here!
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5

out of 5

POSTED: | BY: Reggie Turner

Professional service.

Claim form was easy to complete, and my refund was sent to me within 7 days. Very pleased.
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5

out of 5

POSTED: | BY: Candi Malone

Excellent Customer Service

Excellent Customer Service
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5

out of 5

POSTED: | BY: Benjamin

Seamless claim

So glad we have insurance. This illness was unexpected and could have been tragic. Brough our male kitty in and got fixed up very fast. So comforting knowing ASPCA would be able to cover expenses for emergency surgery.
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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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