ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,517

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,517

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: Barbara Gibson

Assurance we will have help with the bills.

ASPCA Insurance gave us the ability to treat Quincy, our dachshund for all of his illnesses. The insurance paid their max for his hospital bills. We also have 2 cats who are getting older and we feel assured that they will get the proper care when needed through ASPCA. The ASPCA staff has always been helpful and caring. All bills have always been paid promptly. I would recommend ASPCA to any fellow pet lovers.
5

out of 5

POSTED: | BY: Buddy

Thankful for Pet Insurance

Buddy is an active 12 year old Lab. We've had ASPCA Insurance for several years for him and glad that we invested in the insurance. The latest debacle that ASPCA helped out on was a javelina attack while we were in AZ. Buddy escaped from our grasp to catch up with a large javelina, which gored him badly. Not only was it terrifying that we might have lost our family member, but the costs for his surgery could have been astroniomical without the coverage. The insurance helped us a lot. And it is really a piece of mind to know that if something like this happens or if Buddy is very ill, we have ASPCA on our side. The investment is well worth it for us.
5

out of 5

POSTED: | BY: John Beauvais

Very good pet health insurance and great service

My 2 year old mastiff X german shepherd split his toenail all the way up into his paw. Mugsey needed emergency surgery and follow up.The vet bill was over $500-- of which the insurance paid about 50% (do to the deductible and the fact that my vet is a bit more expensive than most and the insurance reimbursement is based on normal charges for services rendered)Petshealth Care was very helpful and processed my claim and mailed my reimbursement check quickly. I highly recommend Pets health Care
5

out of 5

POSTED: | BY: Sienna M

What a comfort!

When my 10-year old dog came in from being outside looking like he'd eaten something very bad for him, I didn't hesitate to bring him to my vet even though it was a weekend because I knew I would have help paying my bill. I love my pup so much I don't think I could hesitate anyway so it's a comfort to know that I'll get some of my money back. Claims are easy to make & get resolved quickly. My vet spent several hours with us & helped my pup to recover quickly & completely. Soon after I filed the claim I had a nice chunk show up right in my bank account -- so easy!
5

out of 5

POSTED: | BY: Lauren

great service and customer service

My hardly over a year puppy one day started vomiting blood and had bloody stool all over the house. We brought her to the vet and thankfully had her patched up by the next day. We submitted our claims and before I knew it I had a check in the mail. The nicest touch were the 2 follow up calls from ASPCA to check on my pup to see if she was feeling better after her illness. The fact that they had flagged her and cared enough to reach out meant so much to us!
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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 Insurance detail
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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