ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,340

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 7
  • 40
  • 11,340

Updated: November 13, 2023

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: Megan Taylor

Pleased with the insurance!

I have two kitties insured through ASPCA pet insurance and I could not be happier. We have had to make three claims for one of our cats and each time ASPCA has made the process efficient and easy. We have always received a sizable return for our expenses and the claims are always followed by a check-up call from an ASPCA agent, to make sure he is doing better and to ensure we are satisfied with their service. I always recommend to my pet parent friends that they get ASPCA pet insurance because it has been a huge financial lifesaver in emergency situations. As our cats age, I have no doubts we will up our insurance to a higher level with more coverage, just because ASPCA has been so wonderful. Their customer service team is always polite and I love hearing a dog bark in the background while I'm on the phone with them - you are working with animal lovers when you're working with ASPCA!
5

out of 5

POSTED: | BY: Sondra Scharer

The greatest pet insurance you could ever have.

ASCPA is the most caring and understanding insurance company you could ever hope to have for your pet. They are so understanding and easy to talk too. They really care about your pet. I highly recommend them to anyone who has a pet. ASCPA does really care. I can't say enough about them. Everytime I have ever contacted them everyone has been so wonderful to work and talk too. They are the BEST!!!!!!!
1

out of 5

POSTED: | BY: Joe

Worthless Insurance

I Purchased this policy about 6mo ago with level 3 care (silver plan)and I elected the option for routine wellness care. I took my dog into the vet for his yearly exam and while at the exam the vet found that he had an ear infection. She treated the ear infection and did his yearly visited and gave his yearly vaccinations. When I submitted the claim to ASPCA they accepted the claim but filed the visit as under illness visit including the yearly exam. Which then get put towards your deductible (mine plan had $100 deductible) They filed no part of the exam under routine wellness even though that's all he went for. I was expecting they would have paid for the visit and yearly vaccinations and they treatment of the ear would have gone to the deductible but not the case. So my for my $192.00 claim I received $15.00. The claim also took over 1 month to complete. This plan is a total ripoff and this company will find any way they can to keep their money. Your better off to save the money monthly in a savings account.
5

out of 5

POSTED: | BY: Susan Maciulis

Quick, efficient, painless claim handling.

Had Yukon Jack in for his wellness check at the end of April, during the exam it was discovered he had a small growth on his eyelid. Surgery was scheduled for the beginning of May. All went well, however Yukon pulled a stitch out and had to be re-sutured. My three claims were processed quickly and the money was deposited directly into my account. Great service, was contacted several time to see how Yukon was doing and could they do anything more to help.
5

out of 5

POSTED: | BY: Rosemary Schlesinger

Service was great and very caring

My cat, Rusty, had a urinary blockage. The insurance covered the majority of the expense. The best part was that they called to follow-up on how Rusty was doing. They called twice. I was very pleasantly surprised. Rusty is fine!

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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