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: customer

We have been with ASPA for year's

We have been with ASPA for year's, and we thank God we have them.
5

out of 5

POSTED: | BY: Paola S.

Easy to get started

Easy to get started. Paid direct deposit quickly. It's been a great experience so far for our first pet insurance.
1

out of 5

POSTED: | BY: Michelle Kelly

Six calls to process one claim

Filed a claim which met eligibility criteria, but was immediately denied because ASPCA said they needed veterinarian chart notes. ASPCA stated fax from get was blank. Over five months I called ASPCA six times to be told process was being expedited, just waiting for vet notes. Followed up with my vet - they had faxed notes four times to ASPCA. We only got reimbursed because we kept bugging ASPCA to do their job.
5

out of 5

POSTED: | BY: Bahram Jahed

My cat and I are so grateful!

My 8years old Tabby cat was really a healthy cat , suddenly refusing to eat badly . The Via Verde animal hospital with skilled vets and developed technology helped him and after one day he was healthy. But high prices for medications and x rays and tests.Being happy for his health ASPCA insurance helped me a lot in paying expensive health and the procedure was so smooth. I am so grateful .

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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