ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 22,835

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

VETERINARIAN: Oak Tree Animal Hospital

POSTED: | BY: Lisa

Peace of mind

I wasn't sure what was wrong with my dog. She went from being happy, playful and active to lying on her dog bed, whining and unable to chase a ball. My vet felt that it was an ACL injury and lumbar strain, fortunately, she did not need surgery but was started on a series of anti-inflammatory medications and supplements which were more expensive than I expected. I was impressed that ASPCA covered her treatment and processed the claim so quickly. She is doing well and I was happy that I purchased this plan which provided peace of mind that I could provide the care that she needed.
1

out of 5

POSTED: | BY: Stephanie Weber

Disappointed in ASPCA

After being a loyal ASPCA customer for many years, I was disappointed to find that my premium nearly doubled this year. The last few claims I made took an unusually long time to reimburse, and I even had to open a case for one of them, which I won. When I compared ASPCA's quote with other top insurance companies, I found the same coverage for a significantly lower price. In fact, it was less than what I was paying with ASPCA. I sent in my cancellation email a few days before my renewal date, explaining my reasons, but received no response, and my policy was not canceled on the renewal date. I just rechecked my account, and it is now canceled (a week later), but I have yet to receive a response from them, and they have not initiated the reimbursement process. I understand that companies need to make money, but the fact that I found the same insurance at a substantially lower cost and, most importantly, that I received zero response from them speaks volumes.
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1

out of 5

POSTED: | BY: Aimee

Same as all the others don't waste your money

My 1 year old dog has some genetic joint problems and my first claim is denied as pre existing. I will be dropping this coverage it's a total waste of money that I can be putting toward the vet bills his insurance rejects. Update - thanks for your reply ASPCA... wish I'd thought of that. Oh, I did. Twice. Coverage cancelled.
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5

out of 5

POSTED: | BY: Chikita

My 12y/o GS/mix’s Duke savings

I have had my pet insurance for few years, and have been using it for over a year, with no issues at all I’m getting my insurance reimbursement after my claims are processed, I really appreciate the care and professional service I’m getting. People always tell me how expensive it is to be paying monthly, but I say that’s my pet savings, since our veterinary costs are up. It’s alway nice to on don’t have to come up with the total amount out if packet. Thanks for your service
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5

out of 5

POSTED: | BY: Colleen Jackson

ASPCA has truly been a God send to us

ASPCA has truly been a God send to us! Their service is fair and the process is easy and quick.
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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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