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.
1

out of 5

POSTED: | BY: Marianne

Didn't cover anything

I purchased the level 4 coverage when we brought our puppy home from the breeder at 10 weeks. I purchased that because it covered spaying, yearly dental cleanings, etc. When we took our pup to get spayed, the vet called to say that the dog had renal failure. They could not put her under anethesia because of her condition. They recommended a 3 day IV treatment which I agreed to. We took her to specialists. None of them could agree that the condition was congential, but we could not prove that is was not. As a result, ASPCA indicated that they would not cover any services related to the condition
4

out of 5

POSTED: | BY: robert

blackjack

good
5

out of 5

POSTED: | BY: KS

Easy and worth it

My greyhound ran into a pole and tore open his knee. I had gotten insurance for the "just in case" of this very situation. I live in an area that's more expensive than "customary," so the original friend who recommended that I get pet insurance warned me that it would reimburse about half of vet charges in the area. The process to get reimbursed was easier than it is with my human healthcare FSA! I received my check about 2 weeks after I submitted the claim. The grand total at the vet was $480, and I ended up with a check for $240-- just what I expected, and still a financial relief.
4

out of 5

POSTED: | BY: Vivian

Wellness Advantage

I only recently joined ASPCA Pet Insurance and have only used it once for a wellness visit. Was surprised how easy it was to submit a claim. I received a check in the mail which was very helpful since I am a retiree & have 2 other animals. Although you never know when you will need the insurance, I feel that if needed it will be there to help with medical bills.
4

out of 5

POSTED: | BY: WARREN

ZOE`S VISION

INSURANCE COVERED MUST OF THE EXAM COST FROM MY REGULAR VET AND FROM AN EYE SPECIALIST.
Please leave a review

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.
Provider website

Get a quote today

Leave a review