ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,301

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,301

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: Rebecca

Great coverage

My dog developed a very bad cough and it cost us thousands of dollars treating her. We were able to get about half of the vet costs back which was incredibly helpful. The customer service I received from ASPCA was really great.
4

out of 5

POSTED: | BY: Maureen Pisani

Good to Fair Response to Claim

Our hound mix, Spike, was poisoned by another dog's meds at the beginning of the weekend, when my normal vet was unavailable for the emergency. By the end of the weekend, we had a $2,500 claim, and fortunately the emergency vet was able to save him with guidance from the ASPCA poison control hotline. After the deductible and deductions for items charged over the 'usual and customary charges' - about $200 excess, we recovered about $1,650, not counting the charge for their own poison control call (which they could not verify until I sent in the credit card bill, even though it had their own case number on it). The rest of the claim was handled quickly. Still, it was valuable to know that most of the event was covered and made it easier for us to make the best decisions for his ongoing care. We'll certainly keep this insurance.
5

out of 5

POSTED: | BY: Toni Peters

Quick response time

After experiencing a serious illness with no insurance for my pet I was afraid of what other expenses might come up so I chose a plan with wellness included and gives me great peace of mind
4

out of 5

POSTED: | BY: Abbie

so far, so good

I have six dogs insured with ASPCA. Over the past few years, I have had several claims, and all have been dealt with quickly and expediently. Due to the deductible I do not submit smaller claims. Instead, I consider this "catastrophic" insurance, in case something big and bad happens to one of my dogs. I am not pleased with all the pre-existing condition limitations, and that these stack up with each renewal. I suppose I should start shopping around. So many of us have older dogs, whom we love and cherish. I think we need a "medicare" plan for them, funded by pet health insurance companies as a group.
5

out of 5

POSTED: | BY: Joseph Jolly

5 Bulldogs!

Our family has five English bulldogs, which we have adopted or rescued, and we have had even more over the years. All of them have come with their share of health isssues. Needless to say, our vet bills have been substantial. ASPCA insurance has beenn a lifesaver for us! It has literally saved us thousands of dollars since we enrolled in the program. Claims are always processed in a timely manner, and we have never had any issues receiving payments. ASPCA is a life-saver!

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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