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: Court M

I have never had a problem with…

I have never had a problem with processing a claim or calling and having my questions or concerns answered. The website is easy to use and keeps me informed of the claim process. I have recommended this company to friends and family that ask about pet insurance.
5

out of 5

POSTED: | BY: CARRIE JOHNSON

Highly recommend ASPCA Pet Insurance

ASPCA Pet Insurance has been wonderful. No one ever thinks things could happen to their pet like seasonal allergies or arthritis at the age of 2, but it does. The vet and emergency room bills quickly add up but it's much easier to breath when I know that my ASPCA insurance will help me pay it. The customer service team is always friendly and very helpful. I'm very glad I have insurance through ASPCA.
5

out of 5

POSTED: | BY: Megan Cook

Always fast

Always fast, on time, honest and overall great!
5

out of 5

POSTED: | BY: Dorothy Carlton

I have been very pleased with ASPCA

I have been very pleased with ASPCA, they have covered my claims very efficient and quickly. No complaints, so happy that I contacted them as soon as I adopted my fur baby they have saved me many dollars.
5

out of 5

POSTED: | BY: Maria simas

The best

I find that they’re a pleasure to deal with they go above and beyond to make sure that I’m satisfied I can’t tell you how many times I’ve called these people and they are always ready to help and concerned about my pet even call to find out how she’s doing. Can’t say enough good things about 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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