ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: William Ruiz

No problems so far

No problems so far. Claims are processed in a timely manner, access through the website and app is easy to understand.
5

out of 5

POSTED: | BY: Carole

Awsome company, Everyone is super nice, Insurance is a great investment for your pet.

A friend of mine told me about ASPCA insurance when I was given my puppy. I signed up and they have been super nice to me, answering my questions, helping me with paperwork etc. I would recommend them to any pet owner.
1

out of 5

POSTED: | BY: Matthew Testa

Following up on this

Following up on this - a supervisor reached out to me but offered no help with my situation. She only explained that coverage goes down because initial diagnostic costs tend to be the highest. If that's true, why not keep the coverage limit as is, and then the claims will go down by themselves? The insurer refuses to give me any relief. ASPCA did create new policies in response to complaints like mine from other customers. But again, I was not made aware of this and they won't grant me such a policy retroactively. And so my poor review stands.
5

out of 5

POSTED: | BY: Laura

Very helpful in covering unexpected surgery costs

My 4 year old Cavalier, Birdie, had a growth on her scalp that at first seemed like nothing, but eventually grew large enough to be a concern. It was recommended that we have it surgically removed and biopsied, so we did so. Luckily, it was benign and Birdie has healed quickly. We were able to get reimbursed for 90% after our deductible, which made it affordable. She also required a dental cleaning, which isn't covered, but that part was only a minimal cost when compared to all the fees (anesthesia, medications, extractions, etc) and I am SO glad we didn't wait any longer or she would have had further decay and pain. I know other people have chosen other pet insurance providers because they cover dental cleanings, but in reality, the actual cleaning portion is not what costs the most - it is if your dog requires extractions or medications that end up adding to the final cost.
5

out of 5

POSTED: | BY: Patrick

ASPCA IS GREAT!

Quick and easy! Especially with the app! Thank you.

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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