ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,295

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.6
  • 4.7
  • Count
  • 15
  • 43
  • 11,295

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: 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
5

out of 5

POSTED: | BY: Susan G

Pet Insurance is a Must!

I have had pet insurance for my dogs for over 15 years, and I am very pleased to have Petshealth Care Plan Insurance for my dogs. I tried another company for a short time, and was disappointed. Petshealth Care Plan is an insurance company that is easy to work with, has knowledgeable and friendly staff, and is a pleasure to do business with. Susan G Morganville, NJ Owner and breeder of Bichon Frise
5

out of 5

POSTED: | BY: Rose

Don't be without pet insurance

After a devastating experience with one of my cats years ago, I swore I would never be without pet insurance again. My beloved rescued FIV cat was diagnosed with liver disease, and his only chance was intensive care, which we simply could not afford. The vet did what they could, but having tried some natural remedies, our only recourse was to have him put to sleep. I did not feel he had been given an adequate chance of fighting, and he was a tough cat. I made sure that subsequent rescues had insurance, and I have no regrets. When another of our cats developed IBD/intestinal cancer we were able to ensure that he was comfortable and that we had offered him every possible treatment available, short of chemotherapy. Knowing that he was living the last 6 months of his life to the fullest was very important to us, and those months turned out to be the some of the most precious. I was able to care for him without stressing over the cost - which was only a fraction of the total bill. I advise all my friends with pets to have pet insurance, and I treat it with the same urgency as I do our own health insurance. We are all subject to sickness and the unexpected, and we cannot all afford such high bills, so if pet insurance is available to us, we should utilize it.
5

out of 5

POSTED: | BY: Herb Rissel

ASPCA Insurance Cares

Our Bichon Frise was an integral part of our lives for over 11 years. When she was diagnosed with kidney failure we were devastated. Unfortunately the choices were few. She was hospitalized several times and we were given fluid therapy to administer at home. When the inevitable occurred, not only did the ASPCA Pet Insurance help defray the costs, we received condolences and sources for helping to ease the hurt. The people at ASPCA Pet Insurance truly cared about our Pearl. When we adopt a new family member, she will be provided ASPCA Pet Insurance.
4

out of 5

POSTED: | BY: Patrick

A bloodhound saved...

We had a tragic accident with our bloodhound Huebert recently and vet bills piled up quickly. If it weren't for the ASPCA policy we had, we may have had to put Huebert down. We luckily had been with ASPCA for over a year when the incident occurred. After submittal of the paperwork, we were paid within 30 days as our policy states and were able to collect the maximum amount possible with the policy. All of my correspondence with them was pleasant, especially with the stress and worry we had been through. They took initiative in caring for our dog and this went a long way. If you are considering insurance, I strongly recommend sacrificing a little somewhere else to pay for it. With this incident, it has paid for itself.

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.

Get a quote today

Leave a review