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: Marissa

Such a relief to have pet insurance!

We have been so pleased with the pet insurance! Skeetee has had a rather difficult medical background, and the insurance was very helpful in offsetting some of those expenses. Wouldn't be without it, and the processing did not go on forever too.
5

out of 5

POSTED: | BY: Brenda McMillin-Conway

Thankful we decided on pet insurance from ASPCA!

We rescued Ziggy 3 years ago and being unsure of his history decided to get pet insurance. After asking around and doing some research online we felt ASPCA offered what we needed at a reasonable premium. After Ziggy was all cleaned up and vetted we noticed he had some skin issues(scratching, scabs), weepy eyes and reverse sneezing so we brought him to our vet who said he has allergies. He gave us recommendations and a couple of prescription medications, including a special shampoo. It helped, some, but he was still suffering from itching and ear infections so our vet recommended allergy testing. Well, our poor dog was allergic to so many things that now we try to avoid and we're happy to report that he's doing so much better with controlling his allergies. Unfortunately, we recently almost lost him to sudden onset diabetes. That is now under control with 2x/day injections of insulin, but then he suddenly lost his sight. We are looking into getting his eyes restored and we don't know how we would have paid for all of Ziggy's great care had it not been for having ASPCA pet insurance!! Submitting claims and receiving reimbursements have been so easy. We were touched by the personal phone calls from ASPCA inquiring about Ziggy's health. Shelly was especially thoughtful and kind with her heartfelt sympathies regarding Ziggy and all that we are going through dealing with his diabetes and blindness. She knew what it was to go through this with our lovely, furry kid! We foster rescues as our way to give back for all the love our dogs have given us and recommend that our adopters get ASPCA pet insurance for the love of their new family member! Even in my business, all my patients know I foster and have an ill dog, so I recommend ASPCA to my animal owners, as well.
5

out of 5

POSTED: | BY: stacie abner

wouldn't go without health insurance for my fur ba

we wouldn't go without health insurance for our selves so why would we go without health insurance for our fur baby. It's so nice to be reembursed for our vet visits and meds. We have peace of mind of knowing that if our little Khloe ever has a major health issue or surgery that our pet insurance will be there to help.
5

out of 5

POSTED: | BY: Leta

Excellent

After being with the so called Wellness plan that Benfield offers, we were more than impressed with the service that we have received since we switched to ASPCA. So impressed that we have encouraged our Daughter to enroll her dog. ASPCA was highly recommend by our Vet office. Our youngest dog has had many issues since we got this insurance and I am pleased to say that they were very prompt in getting our claim handled. So Thank you so much ASPCA for your promptness and dedication to your customers.
2

out of 5

POSTED: | BY: Tracey Parrish

Usual & Customary Costs Are A Joke

I disagree with what you think is usual and customary costs. I have called around in my area to many vets and never find prices that are what you say are usual. Your claim processing time has been taking over a month. I usually have to dispute something on them, too.

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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