ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,090

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: Dorothy

Great Coverage

This is my second dog with pet insurance. I have had ASPCA pet insurance for him since I adopted him as a young pup. He is now 10 years old. As long as I can afford it, I don't think I will ever have a dog without it. This year has been a rough ride for my little guy (95 lbs mutt). The vet and I found a few lumps, one looked suspicious and 2 that were hindering his ability to walk. Little did we know that there were others hiding. In total, the vet successfully removed 7 growths! ASPCA processed the claim without a hitch and quickly. I trust my vet explicitly to do the right thing for me and my dog. It is always to know that ASPCA pet insurance will stand behind us to cover most of the costs when making the tough decisions.
4

out of 5

POSTED: | BY: MMK

Great experience overall

Having filed claims, I can happily say that the process from ASPCA is very simple and low-stress. The insurers are reasonable and you can't ask for more than that.
5

out of 5

POSTED: | BY: Darleen

Happy dog

Our sweet Barclay , a black lab mix , started losing her hair . Our vet recommended we have her tested for allergies. While this is an expensive test , we felt she deserved to get relief from the itching . The results were allergic to beef , pork , wheat , & milk ! Our ASPCA insurance paid for half of the cost , so we are very happy that we had her insured. I have recommended to our friends that they call & get their pets insured with ASPCA as soon as possible . Thank you !
5

out of 5

POSTED: | BY: Lucy

So caring!

I absolutely love ASPCA pet insurance! It is so quick and easy to file a claim and everything can be processed online. Their efficiency is incredible and receiving reimbursements is quick and effortless (direct deposit). What I love most about them is how much they care! They called to check up on my cat because he was being treated for an infection...I mean how unbelievably thoughtful. I highly recommend ASPCA to anyone looking into pet insurance. They are the best!!!
5

out of 5

POSTED: | BY: DEckhart

Peace of Mind

I believe in health insurance for my family and myself, a very important part of my family is our cat. As he ages, he's 13, we know he will need more care. This year, he had a thyroid problem. We were able to provide the best care knowing we'd protected him with ASPCA. I was pleasantly surprised by the ratio of invoice to reimbursement as well as the quick response time. This was a great choice and has been a good experience! Thank you ASPCA Insurance!

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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