ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Carmen

Best Company I've Used

My 5 year old rottie has been through so much in her life that without pet insurance I would probably have gone broke by now. I didn't always have ASPCA Pet Health Insurance but I'm glad I switched. They have lower premiums, better refunds, and they cover hereditary issues for a reasonable price. Currently my rottie is undergoing therapy for a failed TPLO and I've had to pay over $7,000 already and have gotten just about $5,500 worth of it back and am still waiting on my next refund. They are always calling to check on my pets and I love that they send out little handwritten cards to say thank you, or to wish my animals well. I'm always an advocate for helping animals and though I know this insurance company isn't exactly the ASPCA it still makes me feel better knowing that I always have someone standing beside me when my animals are in need of care.
5

out of 5

POSTED: | BY: SAMANTHA

Good coverage / Claims handled quickly

My Chocolate Lab developed chronic allergies due to our mild spring. Needed a couple of steroid shots to get her comfortable. Insurance covered most of the Vets charges minus my 20% and deductible per my plan. No complaints, very satisfied with this claim.
5

out of 5

POSTED: | BY: Jessica

Wonderful

When we got our 8 week old lab we I thought it was crazy to spend money in insurance for a dog. Well I was so so wrong. Everything that can go wrong with outr dog does, and ASPCA pet insurance has allowed us to give him the care he needs. The claims are processed timely and we have never had a problem with coverage. The only negative remark I have is some of the medications he has been given are not covered very well. Other than that it' has been a life saver to have.
5

out of 5

POSTED: | BY: Stephen

Perfect quick response Encreidble Staff

From the first call to there response PERFECT,I was laery about getting Pet Insurance but once your pet gets sick it changes everything,The poeple I spoke with Knew That it wasnt a pet But My Family member Its nice when the poeple your dealing with Care
5

out of 5

POSTED: | BY: Susan

Very Glad we have this for 3 Cats

With 3 cats, it is a revolving door to the Vets. It really pays to have pet insurance. Just one emergency can wipe out your finances. one of our babies has fragile health, and ASPCA has really helped out. Also I love the idea of supporting the humane treatment of animals.
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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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