ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,682

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,682

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: Rochelle

Outstanding Company!

I am a repeat customer. My cat, Tigger, was insured by ASPCA. He developed a rare form of carcinoma and passed away. The bills were steep. ASPCA took care of the claims in a timely manner - no fuss or hassle. I received a phone call from a rep expressing their condolences. Their compassion took me by surprise, but was most welcome. I adopted Magic, a 9 yr old longhair cat a couple of months later. First thing I did was to inquire with ASPCA as to whether he was too old to insure and he was not. FANTASTIC!Within a couple of months Magic began to experience severe wheezing and coughing fits. The vets did tests and found he had an irritation in his bronchial tubes. Of course there were several tests to arrive at a definitive answer and they were quite pricey. I submitted the claims and within a couple of weeks the claims were paid. All throughout the process the ASPCA insurance company communicated with me via email letting me know the status of the claims. WOW! A company I didn't have to pester to get the information I needed - this is heaven! I would recommend this company to anyone who treats their pets like family. This company goes above and beyond to help their clients.
5

out of 5

POSTED: | BY: Jim B

Great customer service

Our dog has had several claims since we signed up last year - payment is prompt and so easy to file online. I would highly recommend this insurance!
5

out of 5

POSTED: | BY: Dolly Terry

Glad To Have

I have two cats and both cats got sick at the same time! My male cat was in kidney failure and had to be in the hospital for several days. His bill was going to be several thousand dollars. My female cat was unable to hold food down and had to have many tests run to find out what was wrong. Both cats are doing fine now but it was expensive. Petshealth paid more than 2/3's of the expense. I am very glad to have this insurance!
5

out of 5

POSTED: | BY: Cat

Awesome

My Boston Terrier got diagnosed w/ diabetes in May. Since I am only level 2 the insurance would only cover till August! I was worried about this, but I called & talked to Mindy. She gave me more plan options & great advise! I got a case of Petsuline & syringes & the insurance covered it all! It sounds lame (b/c of course you would do that), but I spent almost $750! W/o pet insurance, I would of paid that in full! Plus Mindy gave me the heads up that in August ASPCA wasn't going to cover it! If I never called & chatted to her I would b paying out of pocket! Thank u Mindy!
5

out of 5

POSTED: | BY: Janet birnkrant

Very useful insurance for seniors

Premiums a bit high but however it has all paid off. My dog had a cancer operation and a month later an unrelated digit amputation. He is over 13 yrs . The resolution was quick after I mailed claims. No questions were asked . It helped us so much on two very expensive procedures and these operations were done by a non- profit specialized animal hospital. Great service from PHP ( ASPCA).

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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