ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,303

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,303

Updated: April 30, 2024

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: Michael

Easy forms to complete and quick service on claim

This was the first claim I've filed and the people at ASPCA were very knowledgable and helpful when I filled out the forms, although the forms didn't really present any problems. As I've read in other reviews, the claim was responded to very quickly. The few questions I had when I didn't understand the coverage amounts were clearly and satisfactorily explained by an ASPCA rep. Bob did a great job -- I'm happy that my cat is covered by ASPCA health insurance. I hope I'll not have to use it again, but I'm happy it's there if needed. By the way, I have recommended ASPCA to friends who have signed on also.
5

out of 5

POSTED: | BY: Jeff

A must for pet owners

Very pleased, constant improvements to the web interface, customer service is excellent.
5

out of 5

POSTED: | BY: Erin Barry

Claim & care

A few months ago my six-year-old pit was having some stomach issues. I brought her to the vet and the bill was pretty high. Within a week I got a phone call that the claim is being processed - also to see how my dog was… and in another week another phone call saying that the check was on the way and they were following up to see how my dog was feeling once again. This is an amazing company and I am so glad I have health insurance with the ASPCA. My dog is in such good hands XO
1

out of 5

POSTED: | BY: Sue

Not to sure yet.....

I put in a claim 16 days ago and it has said processing for the last 14 days...not to sure what the hold up is....first claim and it was just for a regular check up by the vet. There customer service hours are not very accommodating for the people who work during the day. So we will see how much longer we have to wait for such a simple claim.
5

out of 5

POSTED: | BY: Jeremy Lemke

Great Service

Porcupine accident
Please leave a review

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.
Provider website

Get a quote today

Leave a review