ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,348

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 42
  • 11,348

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.
4

out of 5

POSTED: | BY: Jess

Faster & Easier than I thought

I submitted a claim for a new illness for one of our cats that and all I had to do was submit all the supporting documents that were requested and they processed my claim fairly quickly. The only thing I didn't like was that there are limits to how much is allowed, just like in medical insurance. This in itself is not the problem, but in all the documentation I read before signing up, there was no mention of this. For example, if it costs you $500 for an xray, there might be a maximum allowed for said xray, like say $400. So the plan only covers the $400 because that's what's allowed and that's what you'll get minus any deductible and co-insurance. Just wish I knew that in the beginning and that there was some sort of table that outlined the maximum allowed for those things. Other than that, loved the service.
5

out of 5

POSTED: | BY: Carol Dinardo

Excellent customer service and great benefits

I had another insurance company years ago for my other doggies and they can't even compare with the ASPCA insurance. They denied more than they paid, and we never knew when we might get reimbursed. We also always had to have the vet fill out the claim forms. None of that now. I can't tell you how pleased we are with all facets of our experience with the ASPCA and Kim, our customer rep
5

out of 5

POSTED: | BY: Glen R.

Terrific Organization.

I'd like to give a pat on the back to the young lady named Kimberly,that reached me by telephone to inquire about how I thought the claim was handled, and how Snowball is doing She should be commended on her telephone etiquette and customer relations! Thank You!!!
5

out of 5

POSTED: | BY: Dona

This insurance gave me peace of mind.

My 13 year old Great Pyrenees suddenly got sick and it was comforting to know that I could afford whatever tests and treatment she needed because of the ASPCA insurance. Unfortunately, she had to be put to sleep and I was surprised to learn that, in addition to the coverage of her vet bills, ASPCA also covers costs of euthanasia. I also appreciated the compassion and kindness of the people from ASPCA I spoke to after her death.
5

out of 5

POSTED: | BY: Wendy

They really care about animals

I have 3 cats and I've always had ASPCA health insurance for them and I couldn't be happier. My claims have all been paid very quickly and they've always been very helpful whenever I've had questions. They even called to check on my cat when she was recently diagnosed with cancer. The diagnosis is devastating, but at least I didn't have to pay for all the tests, which are extremely expensive. I got this insurance specifically for this type of catastrophic illness and I'm so glad I chose ASPCA. I recommend them to all my friends.

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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