ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,091

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: Cheryl

Peace of mind and affordable

I have the insurance on both of my labs, and was hoping to never need it. My one lab got into an entire pan of brownies that were infused with Ghiradelli chocolate chips. After an hour of non-stop vomiting and diarrhea, I took him to the local emergency clinic and did not hesitate. The bill was about a $1000 in all after an overnight stay, IV fluids anti emetics and cardiac drugs. They paid it at 90% of my invoice, less my $250 deductible. I highly recommend this insurance to anyone that is looking. No hidden disclaimers or small print. They are full disclosure unlike others I have used!
5

out of 5

POSTED: | BY: Jeremy

Piece of mind

We have had ASPCA pet insurance for our three dogs for over eight years. During that time we have found ASPCA to be efficient in its processing of claims. For the most part, we have had claims processed without questions and the reimbursed amounts have been fair. Thankfully, all but one of our claims have been for minor health issues and at a cost we could have paid without having insurance. However, one claim involved surgery and the removal of a foreign object one of our dogs ingested. That claim exceeded $5K and would have been difficult to cover without reimbursement. Bottom line: we would do anything for the well-being of our dogs, and having ASPCA pet insurance has provided the piece of mind that we make good on our commitment to them.
5

out of 5

POSTED: | BY: Barbara Clum

Wonderful company

Wonderful company. So glad you have Finn’s and my back when it comes to Vet bills.
5

out of 5

POSTED: | BY: Rena Weinstein

Great health benefits

They are easy to work with just submit the paperwork. They also follow up to see how your pet is doing!
4

out of 5

POSTED: | BY: Vanessa

The only thing that would make it …

The only thing that would make it easier would be if I could have some of it covered at the vet the day of instead of being reimbursed. Other than that, great!

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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