ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,263

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 42
  • 11,263

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: Yodie Spitz

Pleasant and Professional Expeience

My Golden Retriever has had to have both ACL Tears surgically repaired. The information provided me both written and on the phone was clear, concise and most helpful. The response to our request was rapid and fair. I consider my Dog to be very fortunate to be in your hands.
5

out of 5

POSTED: | BY: Rosemary Schlesinger

Service was great and very caring

My cat Rusty was acting very strange around his litter box. He was crying and couldn't urinate. To make a long story short, I took him to the vet right away and the vet said he had a urinary blockage. I submitted my claim to the ASPCA insurance and was reimbursed very quickly. Also, someone called me twice to see how Rusty was doing. I thought that was terrific!
5

out of 5

POSTED: | BY: Gina Burkepile

Quick and easy

I have had this insurance policy for 4 years. I had to submit 2 claims and each time the filing process was easy and the payment was mailed to me in less than 2 weeks. I would recommend ASPCA pet insurance to anyone with a pet.
5

out of 5

POSTED: | BY: Rose Couto

Outstanding!

My 12 year old beagle, Joey, has been unhealthy for a few years. He has heart, liver and respiratory conditions which require medication. In addition to two torn ACL surgeries. We never heard of pet insurance before Joey. We "self insured" the first few surgeries including his first ACL repair and knee replacement costing us over $5,000. We heard about ASPCA Pet Insurance after this first ACL surgery I can not imagine being without this valuable coverage. We have peace of mind by having this outstanding insurance.
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!

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.

Get a quote today

Leave a review