ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,329

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,329

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.
1

out of 5

POSTED: | BY: MJ

This company is a sham of all pet…

This company is a sham of all pet insurance companies! They are NOT associated with ASPCA, as they would not represent them to begin with. We had never used a pet insurance company before and unfortunately, we will not again. These people look for any excuse not to pay you for your pet's care. My advice, keep looking, reviews are gold, and I will be re-posting on all available sites. The uploading of the paperwork with their website software was horrible, and the communication. After multiple calls, and emails, someone there actually put it in for me. But that didn't stop there! Almost 4 months after a $2k+ vet bill, and after being misled 5 times over the phone, they felt we were only eligible for $145 and mind you we were paying $140 a month alone and dropped one of our pets after 2 months of miscommunication with this "company". I think the ASPCA needs to be aware of who is using their name!
5

out of 5

VETERINARIAN: Tufts Animal Hospital-Dermatology department

POSTED: | BY: Julie Hojman

Incredible service

ASPCA Pet Insurance is by far the best I have ever had. I purchased pet insurance for my dog and my cat the first day that I brought them home. You never know what can happen to your animals. What you do know is a veterinary bill will always be high. Unfortunately my dog developed severe allergies. Our pet insurance has covered the cost of all of his allergy, testing, his allergy medication and a main portion of his visits. It also covers a large portion of his prescription dog food. The reimbursement into our bank account is easy and so very helpful. Our cat at just one year old developed urinary crystals in his urine. He now has to be on a prescription cat food for the rest of his life to control this issue. After purchasing the prescription, dog food and cat food, I submit my receipt to ASPCA pet insurance and within two days I have a reimbursement in my bank account. I have saved thousands of dollars over the past two years between my dog and cats vet, bills, medication‘s and prescription foods. If I can give you one piece of advice, it would be to purchase pet insurance for your cat or your dog from day one. Most plans don’t cover pre-existing conditions. The small monthly payment to have pet insurance will be well worth it in the long run. You might not see it initially, but down the road as your pet gets older and things come up, and they always come up, you’ll be happy to have this insurance plan. Thank you ASPCA insurance. You really do care for our pets and their owners!
2

out of 5

POSTED: | BY: Marty Lynch

My monthly bill went up from 55 a month…

My monthly bill went up from 55 a month to 69 a month without any warning, why no warning?
1

out of 5

POSTED: | BY: Paul Sablan

I submitted a claim and it was denied. Sent in an appeal and it was denied???

I submitted a claim and it was denied. I spoke with my vet and they had told me they would reach out to straighten out the problem because there were no pre existing health conditions as what my pet had done. I later sent an appeal in to wait 60 days to get an answer. The answer was pathetic and the research was not done properly otherwise they would have seen there were no pre existing issues. I have cancelled my insurance Mar 21 2024 and signed a new contract with SPOT pet insurance. Very disappointing
5

out of 5

POSTED: | BY: Stephen J

Insurance is comprehensive and…

Insurance looks comprehensive and economical

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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