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.
2

out of 5

POSTED: | BY: Tina

Increased my premium over 50%

I have had ASPCA for my shih-tzu since 2020. I understand the importance of insurance as I work in an emergency veterinary practice. I am appalled at my recent policy increase from: $82.67 to $127.38 THAT'S OVER 50% INCREASE. I am aware of many different insurance companies available to me that are WAY CHEAPER. I am unable to transfer to a different one as my dog already has pre-existing conditions. It sucks, I know veterinary cost has increased and my dog is getting older BUT the rise in price seems exorbitant and exaggerated. I will not be recommending to any of my clients. * I already talked to costumer service on the phone
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1

out of 5

POSTED: | BY: Annette Valentin

The fact that I have to wait so long…

The fact that I have to wait so long for the insurance to kick in in order to get my sick pet some help is sicking, it's ridiculous what if something happens to my pet in the process of waiting? What will you guys say and do then? Absolutely NOTHING
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1

out of 5

POSTED: | BY: AW

Bait and Switch

I had to send the medical records to them 3 times, and my vet had to send twice. Took a month for them to process; constant emails stating they didn't have the information. Now I know why they waited - they were waiting until the lower coverage change I made kicked in so they wouldn't have to pay at 90% (the time of the actual vet visit). I finally threatened to cancel the policy if they didn't complete the claim within 3 days - guess what - they completed it in 2 days after my threat at the lower rate, which is a mistake. I cancelled the policy after the reimbursement went into my bank account.
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5

out of 5

POSTED: | BY: Keith Winston

Fast and easy

Fast and easy. Affordable too. Many thanks!!
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5

out of 5

POSTED: | BY: Maddie

No problem submitting claims

I submitted my first claims for my pets and all went smoothly. There is some processing time, but that is to be expected.
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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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