ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,523

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,523

Updated: May 29, 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: Jim Fox

My dog health insurance

The claim for my dog's eye infection was handled very nicely.I appreciate the feed back on receipt of and the processing of the claim The remittance receipt is very clear and concise.
4

out of 5

POSTED: | BY: Becca

Intuitive Forms with Fair and Fast Responses

For just under $30 per month I get the piece of mind knowing that my husband & I can get generous compensation for any medical emergencies that might come up. With my cat, she is living with mild renal failure and our first appointment to diagnose that cost a lot of money. With ASPCA, we got about 80% of that back. We would have gotten more, but our vet charges a little bit over ASPCA's accepted charges. But it's better than nothing and is worth the peace of mind.
5

out of 5

POSTED: | BY: Patty S.

GREAT INSURANCE!

This pet insurance has been so easy to use compared to the other package I have. I wish I could switch my dog over. Your claim forms are easier because they don't require a vet's signature, and your turn-around time is much quicker. Your follow up calls are very nice as well. Thank you for everything.
5

out of 5

POSTED: | BY: Mike Perucco

Very happy with ASPCA pet insurance

We are very happy we got ASPCA pet insurance. They offer a great service at a reasonable price. They respond positively quickly to our claims, in fact faster then people insurance companies, and are very cooperative and friendly and helpful.
5

out of 5

POSTED: | BY: Brendan Smith

Pays for itself (and gives piece of mind)!

I have a 3.5yr old lab VERY active lab, and though he's in great shape, random things seem to always happen. Turns out he has a thyroid problem (treatable with meds every day the remainder of his life) and obtained doggy flu during the outbreak here in Chicago. Everything worked out perfect, but for the $80 or so I spend monthly (the premium plan) I was able to be reimbursed about half a year's worth! Sure, for shots and normal stuff it might seem a little pricey, but if one random thing happens you become VERY thankful you have it. THe dog I had prior to my current pup developed really aggressive cancer and having a couple surgeries and regular chemo treatments and it cost thousands. If I would've had insurance back then, I would have had almost 10 years covered. It was crazy expensive. So at the end of the day you get your money's worth knowing if the worst happens, you have options opposed to feeling helpless. My pup is pretty much my son. I'd do anything for him ;)

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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