ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,294

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.6
  • 4.7
  • Count
  • 15
  • 43
  • 11,294

Updated: April 30, 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: erica rabatin

outstanding; well worth the premium

one of my cats, Tigger[other is Poo] needed treatment for overactive thyroid. My father found a specialist 165 miles away. Treated with radioactive iodine. My father lent me the money and the insurer paid almost 75% of the bill. I recommend them highly. Better than the co. that pay based on a fee schedule
4

out of 5

POSTED: | BY: A. Gilchrist

Pet Insurance, A Necessity!

We've had four cats and a dog over the years. One of our cats had a brain tumor and melanoma. The other had left and right ear polyps which negatively effected his gait and quality of life (for a while he was hiding and not eating much). I don't know what we would have done without ASPCA's Pet Insurance. The vet bills were insane. The API reimbursement rates were relatively decent. I'm glad we were able to keep our first cat more comfortable with the treatments he received (thanks to the pet insurance). That meant a lot to us. Our second kitty is doing so much better. He seems so much more lively and happy now. He's definitely like a "new cat." I truly believe that pet insurance is probably the best gift you can give to your pet. In the long run, it will also help you immensely when you are overwhelmed by costly veterinary bills. Pet insurance allows caring for a pet to be much more affordable. It’s as significant as what health coverage means to you.
1

out of 5

POSTED: | BY: mary/ meriden,

No

just what one of the previous writers stated happened to me. Long story short, i had a cat that sadfully got cancer and we had sent him for xrays to see where it had manifested (turns out it was spreading). ASPCA would not pay for the xrays because of the ridiculous 180 day clause.I chose them, initially, because of the name and the fact that a portion of the monthly premiums go to homeless animals. Or so they say. After a couple more incidents since the xrays and i have finally decided that i've had enough and have a couple of other pet insurance companies sending me information. i should thank ASPCA, though, because they have shown me what to look out for when it comes to other insurances.
5

out of 5

POSTED: | BY: Stephanie

Excellent Insurance

I have submitted numerous claims to the company and they were always quick with processing them and cutting me the check. I also find the deductible to be very low. If I did not have this insurance, I would not be able to care for my 4 rescued cats. I love them dearly but without this insurance, I could never afford them.
5

out of 5

POSTED: | BY: Michael

Cheeper and better than my health plan

Two previous Golden Retriever's I had and dearly loved for 12 years. Spent thousands on surgries and health conditions. I now have a plan for 17.50 per month for my Cho Lab. The first year I had to have 2 tumors removed. This insurance covered 80% after a reasonable deductible it saved me 100's already. Well paid for itself. Regret not doing this long ago.Thank you for being there for our furry friends. Michael

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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