ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,348

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 11
  • 42
  • 11,348

Updated: November 13, 2023

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: kristin smallwood

This is my third pet insurance company…

This is my third pet insurance company I’ve tried and unfortunately this has been the most disappointing / worst one. I had high hopes but because I wound up with a few large expenses they are making it impossible to be reimbursed by violating their own TOS and making it extremely difficult to resolve. Their customer service is also not very good, just people who don’t really know what they’re talking about and read from scripts. As soon as I’m able to I’m DEFINITELY going to switch to a different provider. I would not and will not recommend this insurance to anyone. Nationwide is probably a better choice; maybe anyone else!
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5

out of 5

POSTED: | BY: Heather

Easy Set up

The process was easy to set up the insurance for out pet. In addition the language was very easy to follow and understand.
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5

out of 5

POSTED: | BY: Sue Olsen

Great Insurance

I have had ASPCA pet insurance for many years and my claims have always been settled promptly. I would definitely recommend them. You can have the ability to decide what you want to cover, the amount to cover and the deductions. Thank you ASPCA you have saved my bank account many times.
5

out of 5

POSTED: | BY: Downsizing Donna

Highly Recommend

I never expected to need pet insurance for my young dog, but decided to take it out anyway. ASPCA Pet Insurance has been a blessing to us. My dog has had to use it multiple times and ASPCA is an awesome company to use. They process the claims quickly and never questioned any of the claims submitted. If you are looking for pet insurance, I highly recommend them.
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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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