ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,093

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: Madeline

You will not regret signing up with ASPCA Pet Insurance!

I have two six year old chihuahua mixes that are the light of my life and I love more than anything! I would pay any amount of money to keep them healthy and safe. Fortunately, however, with ASPCA Pet Insurance I won't have to empty my savings account if something happens to them! Recently, one of my babies (Dobyns) needed emergency dental work. The bill was over $1,000! I submitted the claim to ASPCA and within a few short weeks the claim was processed and a reimbursement check was in my hands! Not only do the claims get resolved fast, however; a representative of the insurance company calls every time to let you know your check is on the way AND inquire about how your pet is doing. It tells you everything about the quality and integrity of a company when they call to inquire about your pet's well-being each and every time! Every person I've ever talked to at their company is friendly and knowledgeable and it's obvious they love animals and what they do! I have recommended ASPCA pet insurance to all of my friends and family and have no reservations in recommending it to all of you! It's low-cost but gives high peace of mind! I never worry about taking my babies to the vet to get the best quality of care, as I know if they need anything ASPCA Pet Insurance has me covered! :)
5

out of 5

POSTED: | BY: Stephanie

It’s just what I needed.

Highly recommended
5

out of 5

POSTED: | BY: Julie Landry

Very reputable and gives excellent…8:18 am

Very reputable and gives excellent information
5

out of 5

POSTED: | BY: Janice

I would recommend ASPCA to pet owners

I would recommend ASPCA to pet owners. They are very helpful, prompt on claims being filed and reasonable.
5

out of 5

POSTED: | BY: Kimberly Burke

I love my Cash!

I had a question about insuring our chihuahua “Cash” and researched several carriers. We’ve had 2 surgical experiences with our older dog and was not prepared for the expense. You do it...you find a way when faced with the needs of your extended family, but with Cash being so small (6 lbs @ 18months) I can only imagine the fee for surgery on him. I’m glad I made the decision to insure him. I know he will have what he needs.

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.

Get a quote today

Leave a review