ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,341

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 7
  • 40
  • 11,341

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: Cara Cooper

So Happy to have Insurance

My dog Molia has cancer and without this insurance would be very expensive for out of pocket. No questions and easy to file claims. They do exactly what they say. Thank You. I would recommend everyone have insurance 1 in 4 dogs get cancer. Still getting Chemo for her and we will continue to fight the cancer with the help of the insurance.
5

out of 5

POSTED: | BY: Judy Perillo

ASPCA saved our 3 year old cat!

After raising children and grandchildren, we picked a kitten out for us in our retirement years. She is loving, playful and smart. When we had our regular vet exam, he asked how often she threw up. We reported she threw up 1-2 times a month. He did a sonogram on the spot and detected a thickening of her small intestines. He suspected it could be cancer or Irritable Bowel Syndrome, which if neglected could lead to cancer. It was alarming and so upsetting that our Addie would only live a short time or require complex treatment even if it wasn't cancer. We tracked her vomiting which increased from twice to 8 times only two months later. The vet performed surgery and sent samples of the bowel for study. That surgery was $1700.00, something we could not afford on our fixed income. There was a complex regime that followed to rule out any other cause of her vomiting, again expensive. The biopsy results were negative for cancer, thankfully, but we still had to find the protocol for her nutrition, probiotics, and vitamins to safe guard her health and give her the best possible quality of life for as long as possible. We could not be more grateful for ASPCA Insurance. Because of the insurance, she has had outstanding care from a feline specialist who caught the signs of her illness at its onset. We could not have provided this treatment without help. Our claims were handled promptly, leaving us a payment within our reach, and any time we have had contact with a representative; they wer
3

out of 5

POSTED: | BY: Phyllis Micahnik

Reimbursement is exactly as promised.

Rocky is a 13 1/2 year old Standard Poodle. We just purchased pet insurance last year. He was pretty healthy at that time. Since then, he developed Degenerative Myeopathy We submitted one claim, and it paid exactly as promised. I thought each claim had a $100.00 deductible,but an agent told me that that was only once a year. I wish I had purchased this long ago. Several years ago, he developed Canine Bloat at 2:00AM. Thank heavens the emergency vet saved him. The bill was almost $4000.00. That wouldn't have hurt nearly as much if we had an ASPCA policy in effect. I have found the agents to be wonderful, and they know their stuff. I would never be without pet insurance again. Peace of mind is reason enough to buy this product.
5

out of 5

POSTED: | BY: Jerri Pina

ASPCA

good coverage.
5

out of 5

POSTED: | BY: Daemon Woods

Very Glad to Have ASPCA Pet Insurance

When I had two puppies, the vet bills were quite high. Now that I'm down to one dog, the costs have been cut in half, but it was still great when a friend referred me to ASPCA's Pet Insurance. While it doesn't cover everything (like boarding during summer trips)it does help out by reimbursing some of the costs. And the monthly fees aren't too high either.

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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