ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,282

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 12
  • 41
  • 11,282

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: Melinda Ingram

Outstanding Customer Care

We've had ASPCA for our 6 year old boxer Gracie for more than three years. It gave me peace of mind to have it. Unfortunately we've had to use it twice in the last few months. Once to remove a small growth on her ankle and the second time when she got bit by a rattle snake. Both times I was assisted navigating through the claims process and every person who provided that assistance was so caring, knowledgeable and professional, expressing sincere concern for Gracie's well being. I hope we never have to file another claim for Gracie but it gives me peace of mind knowing great coverage for her care is there in the event we need to. I would highly recommend ASPCA pet Insurance to anyone considering the investment. It is well worth it.
5

out of 5

POSTED: | BY: Patricia Fleming

Part of a Healthy Life for my Dogs

Two dogs/Yorkie Poodle mix. My Vet recommended ASPCA and we have been with them ever since. Only difficulty has been with the web site/password.
5

out of 5

POSTED: | BY: Gene Horwitz

Most excellent in all regards

I made a lot of comparisons before choosing ASPCA insurance. The company has in all respects been efficient and fair in its reimbursement determinations. My dog has recurring urinary infections and eye infections often requiring recurring vet visits. ASPCA has paid all claims fairly and promptly--exactly what I was seeking.
5

out of 5

POSTED: | BY: Jacki Wilson

Peace of mind

My Princess had a sore on her vulva that worried me. It didn't go away so the vet treated her for a UTI and gave me some topical ointment. She still kept bothering it so we finally did a biopsy which was undetermined. Eventually we went through two more antibiotic regiments and it finally resolved. But knowing it wasn't cancer, stones, or Brucellosis gave me great peace of mind. The insurance was right on the spot with their response and how they handled my claim. I am very happy with the people that you talk to on the phone. One of the nicest customer service group that I have ever had the pleasure to work with.
1

out of 5

POSTED: | BY: Kim

Terrible

They will only reimburse 80% of what they deem an allowable charge for the service performed and not what was charged by the vet. Terrible!

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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