ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,263

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 42
  • 11,263

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: Louise Tran

Smooth Claim Process

I recently submitted a claim in to ASPCA and it was as simple as submitting my papers, tracking my claim online and receiving a check in the mail all in less than a month. Great service, smooth process!
4

out of 5

POSTED: | BY: Jonathan

Reasonable and low hassle

Rates are not too high and I benefit from the multi-pet discount. But, a bit frustrating that only "reasonable" veterinary charges are covered since "reasonable" and "New York City veterinarian" charges are contradictory terms... For example, if any major surgery were ever required I'd be lucky to get 25% reimbursed (given the $3,500 lifetime cap).But, for minor illnesses, 80% coverage for approximately 80% of the bill still helps. The premiums should pay for themselves and slightly more in the event of any significant treatment, though I would be thrilled to lose money on this deal forever rather than have to test out that assumption.
2

out of 5

POSTED: | BY: James Gardner

Pay late and not at all

I've had ASPCA for a few years. They always pay late, but at least they paid. Recently they refused to pay a claim for a treatment my vet (and almost every other vet) considered routine, but they called "alternative" I did my homework and showed tham that the treatment is mainstream, but they continued to deny the claim.
5

out of 5

POSTED: | BY: Debbie Thomas

I'm grateful to have protection for my pet.

So far I have not needed to use the ASPCA Insurance for my dog but I am very grateful to be able to have health insurance coverage for her. I have her on the level 2 coverage for emergencies and hospitalization, I hope that I will never need to use the insurance but glad that I have it. I know that ASPCA has helped many people cover the expenses that they had for a pet in an emergency even my friend who lost her loving pet, ASPCA was there to help her in her time of need. I think that ASPCA is the best choice for pet health insurance and hope that they keep up the good work that they do.
4

out of 5

POSTED: | BY: name

Peach of mind might be worth the 'break even' mine

...money. I believe I'm breaking even to date on my dog's ASPCA Insurance. Having said that, I worry less about outstanding bills for Marco.
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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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