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.
1

out of 5

POSTED: | BY: Samantha Bright

ongoing claim dispute

My dog tore her ACL on 10/31/23. She had her surgery on 11/8 and I immediately filed a claimed. It got denied due to lack of medical records. I’ve put in invoices for the year and even when we adopted her last year. The vet has told them they don’t have anything else they can give them. It is now 12/7 and they have yet to reopen the case and have yet to reimburse me. I’ve gotten told that I will have to wait longer to appeal it if they don’t reopen it. No where in the contract does it say they will only reimburse you if the vet gives them what they want. I shouldn’t be punished for something that isn’t my job.
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5

out of 5

POSTED: | BY: MaryLou Falivena

I just adopted a dog

I just adopted a dog. I reviewed many pet insurances. ASPCA Health Insurance met all my needs with a great monthly payment.
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5

out of 5

POSTED: | BY: Faythe

Best all-around program!

I had checked around for pet insurance and found that the ASPCA had the best insurance at a price I could afford. Add to that the fact that I totally approve and support their animal welfare efforts.
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5

out of 5

POSTED: | BY: Olga Slinko

We have our dog with ASPCA for 7 years…

We have our dog with ASPCA for 7 years now. Great services! Never had a problem with them
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5

out of 5

POSTED: | BY: Sarah Garrison

The mobile submission has worked well

The mobile submission has worked well
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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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