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.
1

out of 5

POSTED: | BY: Luis Santiago

Not good policy (scammers)

My policy started on November 21. They told me my pet wasnt covered since that day in other words. I submitted a claim and that is what they told me. I know about law, etc. If a policy is paid it should start immediately after pay for it. There isnt waiting periods, etc. That is a lie. That is so wrong.
5

out of 5

POSTED: | BY: Stella Lopez

Easy claims

Easy claims, fast processing, and true peace of mind. ASPCA pet insurance saved our dog’s life and has been worth every penny since they were puppies.
1

out of 5

POSTED: | BY: Robert Sardinas-Wyssling

Takes your money and will drop you if your pet has any issues.

Had coverage with them for 2 years, my dog had her first seizure a year into coverage, they covered the first visit for that ($180), she then had 2 more seizures 8 months later and those vet bills were significantly higher and they decided to deny coverage and illegally claim it as a pre-existing condition, despite covering the condition when the vet bill was only $180 eight months prior. Scam company, happy to collect your money when your pet is healthy, but will drop you as soon as you need their assistance. UPDATE: I called the number listed in the response below to discuss further and they told me they made a mistake covering the first seizure visit. So not only will they deny you once you exhaust your deductible, they will claim they made internal errors and deny all future claims once you actually need to use their benefits. Absolute scum. They even fired their CFO in March '25 for whistleblowing their unethical practices regarding denying claims, look up "Gordon Lavalette"
5

out of 5

POSTED: | BY: Jillian Stira

We love ASPCA

Amazing help, always so responsive and kind. Reccomend to everyone!
1

out of 5

POSTED: | BY: Susie McClellan

The deductable

Hello, I have paid $900 to my Veterinarian. ASPCA won't honor my deductible. They said I did not satisfy my deductible which I have. I am waiting for some correspondence from them. I have not heard from them yet. It has been weeks. This is a lot of money we are talking about here!! I am expecting $400 plus back please.

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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