ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,341

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 7
  • 40
  • 11,341

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.
5

out of 5

POSTED: | BY: Lisa

Very efficient

I've had this insurance for my dog's entire lifetime, going on 7 years (starting back when it was just known as the PetsHealth company/plan). The claim forms are very easy to complete and submit, and the company has always handled them very promptly and efficiently. Most recently, my dog had digestion issues, and our vets had to run several tests including an investigative procedure and biopsy to reach the diagnosis of inflamed bowel disease for which he is now on medication. This whole process was rather expensive but the insurance was able to cover the majority of it, and they provided clear and reasonable explanations for the amounts not completely covered. I was surprised though pleased at how quickly the large claim was processed. I could not be happier with or more confident in this plan and company in caring for my dog and me. I've always strongly recommended them to other pet owners, and even moreso now after this.
4

out of 5

POSTED: | BY: Luisa

Glad she has insurance

My dog Nikki has been diagnosed with hypercalcemia. I am so glad she has the ASPCA insurance to help cover the cost of her illness. She is 12 years old, been on the plan for a few years. This is the first time she gets sick. So far I am happy with the prompt response from ASPCA.
5

out of 5

POSTED: | BY: Deborah Thomas

Wish they insured horses

I've had ASPCA insurance for my Basenji for several years. She's been in good health and I never had to make a claim. Then we had an strane lameness resulting in some hefty diagnostic expenses. I couldn't believe how rapidly ASPCA processed my claim. They even followed up via phone to make sure I'd received my check and confirm I was a satisfied customer, which I am! I only wish they offered insurance coverage on horses. Reasonable and customer oriented. It doesn't get any better. Definitely will keep this insurance active for my dog.
5

out of 5

POSTED: | BY: Carmen

Best Company I've Used

My 5 year old rottie has been through so much in her life that without pet insurance I would probably have gone broke by now. I didn't always have ASPCA Pet Health Insurance but I'm glad I switched. They have lower premiums, better refunds, and they cover hereditary issues for a reasonable price. Currently my rottie is undergoing therapy for a failed TPLO and I've had to pay over $7,000 already and have gotten just about $5,500 worth of it back and am still waiting on my next refund. They are always calling to check on my pets and I love that they send out little handwritten cards to say thank you, or to wish my animals well. I'm always an advocate for helping animals and though I know this insurance company isn't exactly the ASPCA it still makes me feel better knowing that I always have someone standing beside me when my animals are in need of care.
5

out of 5

POSTED: | BY: SAMANTHA FIFE

Good coverage / Claims handled quickly

My Chocolate Lab developed chronic allergies due to our mild spring. Needed a couple of steroid shots to get her comfortable. Insurance covered most of the Vets charges minus my 20% and deductible per my plan. No complaints, very satisfied with this claim.

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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