ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,277

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 40
  • 11,277

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: Jenny

Thank you ASPCA pet insurance!

ASPCA processed my claim quickly, and the representatives I spoke to on the phone were very helpful. They expressed genuine concern for my cat's we'll being. I recommend ASPCA pet insurance to all of my pet owning friends.
5

out of 5

POSTED: | BY: Sarah

My pet insurance is worth it, simple as that.

My mom's two dogs were always the trouble makers when it came to vet bills, and she eventually got pet insurance for both of them and added my dog as well. I figured I wouldn't need it. Insurance for ourselves is a given, but it's been completely worth it to have it for my dog Joe. Minus some minor very obscure incidents, he didn't have any real problems until July 2012 when he broke his canine tooth and needed surgery. This was about $500. Then in August 2013 he had major bloat with mild symptoms to say the least. This is a serious problem if your dog experiences this, so I took him to the vet one morning and by early afternoon he was in surgery. His stomach and spleen were twisted in half, and he had a 4lb fatty tumor pushing on his stomach. This vet trip was over $3000. Most recently, he had two lumps on his side, requiring yet another surgery for about $600. Because none of these were pre consisting medical problems, my insurance covered the vet bills. In just two years I'd racked up over $4000 in vet bills, and if I didn't have insurance for Joe I don't know what I would have done. I pay $30/month, and it has been completely worth it. Like many people, I don't have that kind of money at my disposal, and the ASPCA has been wonderful (I also adopted my dog from one of the ASPCA shelters in Nevada). They called me after each surgery just to ask how Joe was doing, and they really, honestly cared. This means so much to me.
5

out of 5

POSTED: | BY: Joanne Revis

Thank Heavens for ASPCA Pet Insurance

I always considered pet insurance after experiencing the medical bills associated with a medical emergency visit to the Vet. However, I didn't purchase any until 6 months after getting my second dog and starting a new job that offered the pet insurance benefit to its employees. I covered both Xavier and Oliver. Wow, what a life saver!! About six months into the coverage, Oliver, my youngest dog had an issue that required me having to visit the emergency vet clinic and being referred to a specialist. It all ending with a whooping bill that could have caused a crippling financial burden on my budget if not for having ASPCA. Thankfully, Oliver has fully recover mainly due to me not having to decide against taking him to receive the treatment. Knowing ASPCA would cover some of the cost allowed me to be free to get him the treatment needed.
5

out of 5

POSTED: | BY: Barry Quintarelli

Insurance saved my golden retriever's life

I discovered a mast cell on the end if "Indy's" penis. Surgery was done and they got it all. Aspca very helpful and concerned about the after care. Before this I had another well known pet insurance. Did not like their attitude at all. So I switched to ASPCA and Im glad I did.
5

out of 5

POSTED: | BY: rosa needleman

A partner in care

Ater a long, chronic and expensive illness, I lost my cat.I then adopted a senior (10year old) cat and realized that obtaining health insurance for her would be a smart idea. Not too long after I insured her with ASPCA, this healthy girl completely stopped eating for 4 days. Diagnosing her problem was extensive and expensive...but she recovered. I submitted a claim, supplied the necessary information and, within a very short time, received a settlement - no fuss, no muss - just a fair review and a considerate response. It certainly helped and I am very pleased with ASPCA pet 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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