ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,329

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,329

Updated: November 13, 2023

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: Cassandra

Great insurance

They take care of you well and don’t question every little thing. They seem fair on what they’ll pay for and they pay you quickly. The app is also great and makes it easy to submit claims.
5

out of 5

POSTED: | BY: peter ianniello

Everything is so Easy!!

Everything is so Easy!! Claims are uploaded in seconds; once the information on your pet is in the system, it is a matter of a drop down selection and entering some specific information. The response and settlement are done so quickly. I would recommend them highly!
5

out of 5

POSTED: | BY: Melissa Haagenson

So grateful for this puppy insurance

So grateful for this puppy insurance! Without ASPCA I wouldn’t of been able to take care of my English bulldog. Both of her legs went out within nine months. She is healing now. Which in turn has made a happy healthy puppy. As well as put my heart at ease. Thank you for everything!!!
5

out of 5

POSTED: | BY: Frances

Choosing ASPCA Pet Health Insurance…Reliable company

Choosing ASPCA Pet Health Insurance when my German Shepherd turned 9 two years ago was the best decision I made. They covered most of the expenses of a very expensive exploratory surgery a couple of months ago. According to the terms of the plan, they also pay 90% of the prescription food, medicines, supplements and treatments she will need for the rest of her life. Great company!
5

out of 5

POSTED: | BY: Patricia Gomez

Awesome

ASPCA is the best I got for my fur baby. They are prompt and accurate. I am very happy with them.

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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