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.
1

out of 5

POSTED: | BY: Sarah

NOT HAPPY!

One of my older dogs (11) was out playing in the backyard. He was fine when he came in, that night, limping a little, and by the next day, his back legs were paralyzed. He was put to sleep two days later after discovering he'd ruptured a spinal disc. NOTHING could be done. I have insurance with ASPCA. I BORROWED money to pay the vet bill. With a $100 deductible, they are giving me a little more than 50% back - I am SO upset! It's bad ENOUGH that I lost my dog, and now I don't get most of the $$ I had to spend back? WHY bother with this insurance! When I get a puppy, I will NOT use this insurance! PLUS they are EXTREMELY slow doing the claims!
5

out of 5

POSTED: | BY: Lucinda

Jack Accident

Insurance responded as it should.
5

out of 5

POSTED: | BY: Sally

lifesaver

I bought this insurance in Sept. My cat has been bitten by an unknown animal in his yard, gotten sick with the only sympton vomiting and at least one other visit to the vet, I forget what for. The claims were all accepted and paid in a timely manner. Questions I had were answered to my satisfaction. You never know when a pet will need extensive and expensive care, which is more likely they will, and this insurance can really pay off.
4

out of 5

POSTED: | BY: Toni

great coverage for aging cat

This is the the second insurance company I have had pet insurance with and have found it to be very easy to work with. I have an aging cat that developed hyperthyroidism and IBD. Other insurance companies have per incedent deductables and need my vet to sign paperwork. At ASPCA there is an annual deductable and I fax them the claim form and a copy of the vet bill. I usually receive a check from them in less than 2 weeks. I have always had great service. As a matter of fact I have also insured my other cat and dog with them.
5

out of 5

POSTED: | BY: Meleah

Easy to deal with; fast reimbursement

This company is insuring my current dog and I also had insurance with this company on my previous dog. Very easy to deal with; fast reimbursements; have never had any problems.
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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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