ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,329

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,329

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.
1

out of 5

POSTED: | BY: Michele

Biggest mistake I made last year

I would give a zero if I could. They are complete liars, scam artists and will say anything for you to join, then not cover a thing. Please please I am begging you, do not get them. We had the second to top tier in coverage, and NOTHING has been covered. One example is the vet documented that he may have a long soft palate but were unsure and wanted to revisit if any problems occurred. Well, he did, and even though it was not discovered until nearly a year later ASPCA refused to cover the surgery because there was mention of a possible issue a year. What's worse is we even called to verify it would be covered 2 weeks before and were told it would!! Or how about when he had a flare-up within the first 30 days of getting insurance, it went away, but came back 56 days later. Again, denied because he suffered the same problem (even though it was resolved) during the waiting period. THIS COMPANY IS A SCAM!!!!! They got nearly $1,000 from us for a year of insurance and covered $0 out of $2100 claims submitted.
5

out of 5

POSTED: | BY: Diana C

Fast Claim processing

My french bulldog Frankie, needed Emergency surgery for a blockage after eating a rubber toy. ASPCA was quick to process my claim and reimburse me. Their customer service department was extremely helpful as well. I would definitely recommend the accidental insurance, it was affordable and I was reimbursed a good amount.
4

out of 5

POSTED: | BY: Diane

Fast Service and Compassionate

Customer Service contacted us to see how our two pets were doing and sent a sympathy e-mail when they learned of our cat being put to sleep. The coverage is excellent for office visits and tests. The amount reimbursed for medication is barely adequate, as a pet owner doesn't have control over the amount charged by the vet. I'd like to see better coverage for cleaning and tooth removal. Also, it would have been helpful to know that I had to add continuing coverage before Tacori turned 10, I tried to add it and was told I could not. The price has escalated in the past 3 years, almost doubling in cost in that period of time. I'll be looking closely at the coverage at next renewal to see what is right for Tacori.
5

out of 5

POSTED: | BY: Helen DiTanna

Peace of Mind

Thanks to ASPCA's affordable rates I am able to insure 3 of my cats. I have had this pet insurance for several years now and they are not only easy to work with and talk to but has helped tremendously with costly vet bills. One should never have to choose to euthanize their pet over medical bills. ASPCA brings me peace of mind when one of my cats gets sick or has an accident. My cat Rudy had some urinary issues so tests were run including X-rays and bloodwork which were costly but necessary and because I knew he was insured my decision to make sure he got the best care and right diagnosis was much easier.
5

out of 5

POSTED: | BY: Rose Benson

Great Help!

I have ASPCA insurance on my two cats and one dog. It was a blessing when my oldest cat was ill with renal disease. It helped us to care for her as well as possible during her final months. After she passed ASPCA called with condolences. They have been prompt and fair in paying claims. I recommend this insurance to anyone with a pet.

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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