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: Linda Yarosh

Accidents,illness and wellness for my Pug

Getting pet health insurance for my pug was one of the best things I could have ever done and I am glad that I did it thru ASPCA Pet Health Insurance! They have always been there to answer my questions, have processed my claims (so much quicker than BC/BS), and even call to follow up on my fur baby! I live my pug, but he is a mischeivious toddler and if there is something he can get into... He finds a way. But also being a pug, he has been prone to asthma, allergies and anal gland issues. He also gets constant ear infections... Yes, i have the vets number on speed dial! Some people laugh when I say that I have pet health insurance and I just say, "Do you have health and dental insurance for your kids?" My pug is my kid and he deserves the best vet care possible for routine wellness, dental, sickness and those unpreventable accidents (he ate a bumble bee once! - he is allergic to them we found out! And had to rush him to the hospital!) i was there for my puggy and ASPCA Pet Health was there for me! Love them!
5

out of 5

POSTED: | BY: Sheelagh Boyd

Efficient, concerned and corteous service

We have always been happy with ASPCA pet insurance - our dog has had several ear infections and recurrent skin problems. The claims have been dealt with in a speedy and no judgmental way. We would highly recommend this company.
5

out of 5

POSTED: | BY: Liz Trujillo

Peace of mind

Its nice to know that i will be able to take care of my two Jack Russells should anything happen to them. ASPCA Pet Insurance has been there more than a few times when my dogs have gotten themselves into medical emergencies. I've had to take them in for stitches from dog fights to eating rat poison that a neighbor had left out. ASPCA has covered so much and has reimbursed me quickly. I would never have a pet again without being covered by them!
4

out of 5

POSTED: | BY: Melissa haney

Overall good experience

I'm thankful I have pet insurance. ASPCA has been responsive and helpful. Getting your claim back in the mail is a little slow but they have the option of directly depositing into your account if you want to take advantage of it. I have had very good service and overal satisfied.
5

out of 5

POSTED: | BY: Annie F.

Great Pet Insurance

ASPCA reviews claims timely and pays exactly as promised. The rates of reimbursement are very reasonable for expenses incurred due to unexpected illness. We have been with them for seven years and been treated fairly throughout.
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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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