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: Debbie Thomas

Best Pet Health Insurance!

They are always quick at processing and they cover most health issues. AND, they call and check up on how your pet is doing! I've tried other pet insurance and now only use ASPCA.
5

out of 5

POSTED: | BY: Kelley

Peace of mind

I have been with ASPCA for over 7 years. I have level 3 coverage which covers alot. I also have the continuing care, which covers chronic issues. My claims have always been handled in a timely manner.
5

out of 5

POSTED: | BY: Jenn

Covered significant portion of unexpected medical

My Declan seems to get into everything and without ASPCA I would be in debt caring for him. He's been treated most recently for a tumor, which ASPCA covered roughly $500 of $650ish. Prior to that it was a stomach ailment that persisted through a few vet visits and the coverage helped make the cost of care much easier.
5

out of 5

POSTED: | BY: Paula Hoover

Amazing medical coverage. Issue Bladder Stones

Our Simi started out with what the vet thought was a bladder infection. On a sun night we rushed to an emergency animal clinic. Exrays showed stones in her bladder. Removed 30 stones. We filed our claim for $3200.00 We received a phone call within days saying claim was processed. The caller also sounded truly concerned about our dogs illness. 4 weeks later we are rushing her to emergency again. Anal gland ruptured. Three claims filed for that. Follow up calls from ASPCA. Claims paid. Wish my insurance company acted like my dogs. They care about your pet!!!!
5

out of 5

POSTED: | BY: Andrea Grecious

Years of excellent, personal, caring service

I purchased my pet insurance when my Shih-Tzu, Cappy was 7 and had just spent 5 days at an emergency vets ($$$). Having the insurance has been the best investment in her health that I have ever made. When processing claims I have been given personal attention, the claims processing is so easy, these folks understand pet owners. And recently at 14+ years old my dear old Cappy suffered a heart attack, which within days brought us to the end of her life. ASPCA was there for me, personally calling to share their condolensces and help me process my last claim. Such kind, professional, compassionate and prompt service is above and beyond my expectations. Thanks You, especially to Robert and Shelly. I will own a pet again soon and will insure my pet with ASPCA Pet Insurance... always. Thank you so much.

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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