ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,269

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 40
  • 11,269

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.
5

out of 5

POSTED: | BY: J. Carter

Excellent Pet Insurance

I am very happy that I have pet insurance through ASPCA. I have a 2 yr old, male, mix breed that has very sensitive skin and a very fragile body. He has been through a lot, from a broken leg to inhaling toxins which caused tremors. Through all of the various problems, I am extremely happy that I had ASPCA. The representative are very friendly and understanding and the overall service that ASPCA provides is outstanding.
5

out of 5

POSTED: | BY: Iva Yingling

Urgent treatment COVERED!!!!

My remarkably healthy service dog Cali was found to have a mass cell tumor at her yearly vet appointment. Within a week she had seen a specialist and was set for major surgery. The surgery was a success and she is now cancer free. Everything that ASPCA said they would cover the did in a prompt and cordial way. I received phone calls to check on her from the company. I spoke with caring customer service individuals, who made me feel like a member of their family. I was very impressed with the whole process from beginning to end. It was a stressful situation made much easier by ASPCA Pet Insurance. Thank You.
5

out of 5

POSTED: | BY: Leila

A loyal customer

I've had this insurance for my Rott/Shepherd mix for 5 years now. As a younger dog he was always eating something or getting into trouble somehow and we definitely got our money's worth. Now as a "senior", he is having more health issues and again, the insurance is paying for itself.
5

out of 5

POSTED: | BY: Tessa

They came through for us

We've had ASPCA insurance for our two greyhounds for a few years now, and had submitted claims a few times before, but unfortunately those claims weren't classified as accidents or injuries (we just have the basic level of protection) and we didn't qualify for any reimbursement. In June though, one of our greyhounds had to have emergency surgery for an intestinal blockage, and then follow up treatment when he was bleeding internally. In the end he came through okay, but the bill was certainly pretty high. The vet's office was pretty skeptical about us getting anything back, but I submitted our claim anyway (it's a really easy process, and worth the time), and I'm certainly glad we did! The max refund per incident was only about half of the total amount we had to pay to the vet, but we were extremely glad to get that back! These days everyone is very skeptical about ever seeing any refunds from any kind of insurance company, but I can definitely say now that when accidents happen to your pets, it is more than worth it to have ASPCA Insurance coverage! The claim process is easy and quick, and they let you know about the decision of your claim pretty quickly, and best of all send out that check right away.
5

out of 5

POSTED: | BY: Jennifer Owens

Thank you

our Harley was diagnosed with cancer in Jan 2013 and was not given much time. It is 7.5 months later and ASPCA has been with us the entire time. they have paid our claims in a timely manner to help with the financial burden of taking care of our baby. They have also called us several times just to check on him. John at ASPCA has been the BEST.

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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