ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Erin

Excellent Service

I have been a member of ASPCA Pet Insurance since 2009 and I truly believe they are the best pet insurance out there. They were the only insurance that would cover my 10 year old cat. My sister has VPI and is switching to ASPCA because they give her so much trouble and won't pay the claims. My cat, Minnew, was diagnosed with Stage 4 kidney disease and hyperthyroid 3 years ago and ASPCA Covered all of her expenses (she had continuing care). They would call and check on her all the time, which made me feel good about their service. She passed at 18 years in August of 2016 and since then I have adopted a kitten and she also now has insurance through ASPCA.
5

out of 5

POSTED: | BY: Patricia Finnegan

ASPCA Review

ASPCA insured my 2 dogs (Murphy and Sadie Marie) for the past 16 years. They are now insuring my new girl, Gracie Marie.
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5

out of 5

POSTED: | BY: John

So far so good

No problems so far
5

out of 5

POSTED: | BY: Jenni

Amazing company

Love dealing with ASPCA they are an amazing company. They settle claims quickly and don't make things difficult.
5

out of 5

POSTED: | BY: Jessica

Surprisingly easy and smooth process

I was surprised how easy it was to file a claim, how much they covered and how quickly I was reimbursed. Really impressed. I had a different pet insurance in the past and that one didn't compare to ASPCA. Highly recommend.
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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 Insurance detail
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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