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: Rose Couto

Outstanding!!

Having ASPCA Pet Health Insurance allowed us to extend our beloved Beagle's life. For five of his thirteen year life he endured several surgeries and monthly vet visits. His ASPCA Pet Health Insurance plan was always there for him. When we lost him this past December, not only did we get a sympathy call from ASPCA Pet Health, but we received a sympathy card and photo frame with an inspirational quote. The genuine kindness will always be in our hearts along with the loving memories of our Joey. I can not imagine having a pet and not having the security of having insurance for the unimaginable. I can't thank them enough for all the help over the years.
5

out of 5

POSTED: | BY: Evelyn Cisneros

10/10 service! So happy to have chose ASPCAPI

I've had this insurance for my dog for about 3 years now and I'm so happy to have chosen this company. Submitting claims are so easy and gives you a peace of mind that you know they are going to give you reembursment (of corse depending on your palm coverage) and you don't have to worry about paying full bills. Thier customer service Line is so helpful and always have answers for any of my questions. Overall I'm supper happy with ASPCAPI and I would highly highly recommend them to other pet parents. Please get insurance for your pets its worth every penny and ASPCAPI is super affordable. You are not only paying for the well being of your pet hut also like I said you get peace of mind that you know your pet is covered especially when they randomly get ill or get hurt.
5

out of 5

POSTED: | BY: Jeanette DelPilar

Best investment I could have made for my pets.

I have 9 cats & 1 dog, Peace of mind knowing if they get sick, I can get the care they need. They call to check how my pets are coming along, they pay all claims promptly and answer all my questions. I would highly recommend their coverage to everyone.
5

out of 5

POSTED: | BY: Richard Gump

Easy

I wish we would have gotten insurance sooner. Jasmine started showing signs of joint problems before age 1. At 1 Yr she had double elbow surgery, at 2 she tore her right ACL at 3 she tore her left. She's been on allergy shots since age 1. When we decided we really needed to have insurance it was too late. She had too many pre-existing conditions. But, with Jasmine getting older and not healthy, we had to find something. The ASCPA has several different plans from covering just about everything, to just an accident. We started out with one of the basic plans and it covered an ankle injury, poisioning, ear issues. We have since moved up a plan and she had 3 cysts on her back removed that were getting too big but, the stitches wouldn't hold. She had to have 2 more surgeries to finally get it to heal. The claim process is simple, the allowances are fair and the payment is quick. We couldn't ask for anything better.
5

out of 5

POSTED: | BY: David Rosenblatt

Great service

I have had ASPCA pet insurance for 9 years for my cocker spaniel. Through out that entire time I have been extremely pleased with the service on my insurance. I am always informed of the status of my claim and receive quick reimbursement. I have never had to question the reimbursement at any time. It is always fair and as indicated in the policy.

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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