ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,059

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: Jeff Riley

If you love your pets like family, having ASPCA in your corner is a no brainer

I’ve had my cats covered with ASPCA Pet Insurance for years, and I can say without hesitation that it was one of the smartest decisions I ever made as a pet parent. You hope you never need it, but life with cats has a way of throwing curveballs, and ASPCA proved their worth every single time. One of my cats unfortunately needed care more than once, and the policy stepped in exactly the way you hope insurance will. The claims process was straightforward, the reimbursements were quick, and there was never any runaround or surprise fine print. It just worked. What I appreciated most was the peace of mind. When you’re worried about your pet, you don’t want to also be worrying about whether you can afford the care they need. ASPCA gave me the confidence to get my cat treated right away, without hesitation. After several years with them, I’m still impressed. Reliable coverage, easy claims, and the kind of support you want when you’re dealing with something stressful. If you love your pets like family, having ASPCA in your corner is a no brainer.
4

out of 5

POSTED: | BY: Sarah Hernandez

Great service

Agent was polite and helpful. The agent helped me understand the process in a nonjudgmental way
5

out of 5

POSTED: | BY: Gary Burr

7 years ASPCA.

Have had ASPCA Pet Insurance for about 7 years for our Pug. Completely satisfied. Wish I could recommend my health insurance company as high!
5

out of 5

POSTED: | BY: Deanna Williams

The representative was able to explain…

The representative was able to explain everything to me, so I understood the policy for my new cat. He was very professional, friendly, and very knowledgeable.
1

out of 5

POSTED: | BY: InGoditrust

My experience has by far been very…

My experience has by far been very difficult and has been an extremely long process. I purchased this insurance for my puppy who at the time was 3 mos old. I took him to vet to get shots and we’ll check. Well now this company is asking for his itemized report from 11/2024 and my pet was not even born. I do not recommend anyone to purchase this health insurance as it has been 10 days and I still have not been reimbursed and still counting. I still have hope that there is better insurance for your pets out there.

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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