ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,445

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,445

Updated: May 29, 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: Charlie Pouliot

ASPCA Pet Insurance is our best friend!

We've had ASPCA Pet Insurance since our Shih-Tzu was born.They've been extremely responsive to any vet bills, and it's also our single best insurance I've ever seen, and I looked at a couple dozen!
5

out of 5

POSTED: | BY: Ker

My experience has been really good so…

My experience has been really good so far And I’m so thankful that I have it as I have a seven year old dog who had a broken tooth and likely endocarditis from that. Afterwards she was diagnosed with lupus. It’s been a rough six months, but I’ve been able to provide good medical care for her because of ASPCA. We have the complete care and we probably will need to keep it the rest of her life and I’m thankful we can.
1

out of 5

POSTED: | BY: Allie Bryant

Ok so I just got this Insurance for…

Ok so I just got this Insurance for golden doodle I’m having a hard tim under standing do we just pay the 100 co pay at vet and the Insurance pays the rest
5

out of 5

POSTED: | BY: Mariela herrera rangel

Excellent

Excellent everything very fast and easy
5

out of 5

POSTED: | BY: Suzi

Have been a customer for 10 years and…

Have been a customer for 10 years and they have never steered me wrong.

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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