ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,294

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.6
  • 4.7
  • Count
  • 15
  • 43
  • 11,294

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.
5

out of 5

POSTED: | BY: Anthony Gagliano

Cancer Diagnosis: What would you do?

My Yorkie-Poo Rocky was 9 years old when he was diagnosed with Thyroid Cancer in December of 2013. Many friends who are pet owners asked me why I would spend over $50 a month on pet insurance, and then when I told them Rocky had Cancer they asked me if I was going to put him down... I told them, that thought never entered my mind & I posed this question in reply. Would you put your human child down if they were diagnosed with Cancer? The answer was no of course. That is why I have pet insurance with the ASPCA. Rocky's Cancer was detected early enough by my wife and I through our discovery of a large lump in his throat, so that surgery was possible. We have a great Vet and through routine check-ups the tumor was confirmed & diagnosed. He has surgery by a specialist on December 26th, 2013 and they removed the entire tumor and half of his thyroid. Because of early detection, he will not need any chemo or radiation, nor will he need to be on any thyroid medicine. If I had a human child, I would have done the same as I did for my Dog. I would have health insurance for a child, and I would have the surgery to save their life. The only difference is that with the ASPCA Pet Insurance, it's actually easier to file a claim than with Human Health Insurance, because there is no middle-man to deal with. I would have spent around $7,000.00 on Rocky's pre-op tests and the actual surgery without pet insurance. I received 90% reimbursement within 4 weeks of the actual surgery.
5

out of 5

POSTED: | BY: Rachael Smock

Thankful

I had ASPCA insurance for my last dog. After he passed we adopted another rescue and continued with the insurance. I was very impressed when I called ASPCA to change my dogs info with how truly sympathetic they were to my loss. II even received a sympathy card from them. It is also very comforting to know that if we have to make an unexpected trip to the vet that we will be reimbursed for most of what we pay. I have highly recommended ASPCA pet insurance to all people that I know that have pets. Thank you ASPCA!!
5

out of 5

POSTED: | BY: Denise Schwab

Wonderful

I was unsure which pet insurance to use but figured since the ASPCA did so many wonderful things to help abused animals that this would be the best one and I was right. I am extremely pleased with the coverage I have for my 6 yr. old beagle. I always tell everyone who has an animal that they should check out the ASPCA pet insurance. The customer service people are wonderful. They actually call and ask how my pet is after some of his visits. What company does that!
5

out of 5

POSTED: | BY: Melissa Garvan

Always need insurance as my rescue pets age..

My female puppy mill rescue Corgi, Grace, has been having seizures in her recent senior years. She was healthy for the first 4 years I had her then she started having seizures. Wehave had to file various claims and ASPCA was always prompt in the refunds, explaining any questions that arose and seemed to really show concern for my pets health always!
5

out of 5

POSTED: | BY: David Frolich

Very satisfied with the service.

When I called for information I actually spoke to a live human and got my questions answered. I was notified that my claim was received and when the payment was on the way. Payment was prompt without any hassle. Very satisfied.

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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