ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,145

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: CRYSTAL

Excellent Coverage for the Unexpected

My female bullmastiff kept getting UTIs. The vet said that she had a recessed vulva and that could be the problem and a surgery could be done to correct the problem. She said most insurances do not cover it because the surgery does not work all the time. The vet opted for other methods first. After months of antibiotics nothing was working. We tried cranberry supplements, wiping after bathroom uses, apple cider vinegar, and every other method we read online and nothing worked. At almost $300 a pop for every UTI treatment, it was becoming too much financially and seeing my pup in discomfort prompted me to go ahead with the surgery covered or not. Surprisingly ASPCA covered a big portion of the surgery and ever since she has had the surgery, not a single UTI has occurred. Thankful for such great coverage and customer service
5

out of 5

POSTED: | BY: Grace Paik

Appreciate the follow up calls and ease …

Appreciate the follow up calls and ease of service. My dog has an extremely sensitive stomach so it's very reassuring that I have insurance should any medical procedures need to be done. Total game changer!
5

out of 5

POSTED: | BY: Dina

Great Insurance

Great insurance! Prompt payment. Thankful to have it
2

out of 5

POSTED: | BY: Kyle Dennis

I can't edit or manage my pet's …

I can't edit or manage my pet's policies online, or even email, I have to *call a number* to do anything. Pet policy info doesn't feel well communicated, I have no idea why my two pets have different plans except that I guess that some plan options changed since the time I registered the first one? It all feels really sketchy and amateur hour, I'm worried that it's overpriced for the comparative coverage, and I'm thinking of switching to Nationwide pet health insurance when I have the chance. Assuming I can figure out how to cancel my current policies.
5

out of 5

POSTED: | BY: John Lehr

Very friendly and compassionate to your pets needs

They have been excellent to work with during both sick and wellness times. Very friendly to work with when adding additional pets. Takes the time to explain all the options.

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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