ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,277

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 40
  • 11,277

Updated: April 30, 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.
4

out of 5

POSTED: | BY: Kennedy

Better than my other insurance

We are now ASPCA Pet insurance members for just about 2 years. Our other insurance refused to cover a $2600 knee surgery for our dog and we immediately switched to ASPCA. Our dog Chloe had a growth on her leg and we removed it as well as getting her teeth cleaned in 1 visit. ASPCA covered 80% of the total bill and we were pleased with the updating, the explanation of the bill/covered benefits and ease of placing claim.
4

out of 5

POSTED: | BY: Courtney

Easy Claim Process

I've had ASPCA insurance for over 4 years now but just had to submit my first claim. The process was very smooth - I did make sure to get all records from my vet throughout the incident so including them may have made the process even smoother. The claim was processed quickly and I received my reimbursement with no issues. The only slight downside was that I wasn't fully reimbursed for what I anticipated - my vet charges slightly higher rates and they use a local average for what they will cover. Not a huge issue for me though - I'm happy to at least have the peace of mind this insurance provides me!
5

out of 5

POSTED: | BY: Dena Saunders

wonderful

We adopted our dog Itty bit, he's a maltipoo almost 2 years ago. I thought if I'm getting a dog, the dog will have pet insurance. We have it for ourselves, why not the dog. Best insurance I could imagine. Once you submit a claim, it's processed very quickly and you get your refund. It's very affordable. I recommend them very highly.
5

out of 5

POSTED: | BY: Danielle

ASPCA is the only insurance for my pet

This insurance is the best. I had used another company for my old dog and they were terrible - I ended up canceling. ASPCA is excellent. My claim was paid quickly and they paid more than I expected. My little shih tzu nearly died but thankfully she is back to normal now and keeping her on a special diet from now on.
5

out of 5

POSTED: | BY: Charlene Ortleib

You can't go wrong with ASPCA Pet Ins.

We have a 12 year old Golden Retriever named Mia. We bought the ins. when she was a puppy. (it's cheaper) Whenever she gets sick or hurt it's always on a weekend or a Holiday when the regular vet is closed and the emergency clinic is a lot more expensive. ASPCA has always reimbursed me in a timely manner and I never regretted having it. She has always been pretty healthy, but there's always a UTI, a hot spot, an ear infection, eye infection, stomach problem.....just like a kid. comforting to know that for an affordable price her illnesses and injuries are covered for an affordable price.
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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 Insurance detail
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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