ASPCA Pet Health Insurance

ASPCA Pet Health Insurance Reviews

ASPCA Pet Health Insurance Reviews
4.5(889)

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Overall Rating4.5 out of 5
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About ASPCA Pet Health Insurance

ASPCA Pet Health Insurance helps with costly and unexpected pet illnesses and injuries, which gives you the comfort of knowing you can give your pets the care they need when they need it without the burden of a large vet bill hanging over your head. The process is simple and convenient and your reimbursement can cover up to 90% of your covered bill.

Pros & Cons

Pros

  • Exam fees included
  • No age restrictions
  • No networks

Cons

  • Preventative care costs extra

Bottom Line

ASPCA Pet Health Insurance provides injury and illness coverage for animals. While preventive care coverage is optional and costs extra, the insurance offers comprehensive coverage options and a simple, quick claim process.

Featured Reviews

Verified
Oxford, PA

My horse sustained what would have been a life-ending injury had I not had ASPCA Pet Health Insurance. Instead, he has not only survived but he is anticipated to return to FULL AT...

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Verified
Darien, CT

Claims are responded to very quickly. No problems, no headaches. Claims are easy to submit and monitor online, making the process simple. Very happy with ASPCA Pet Insurance and w...

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ASPCA Pet Health Insurance plans

ASPCA Pet Health Insurance offers two main plans: Complete Coverage and Accident-Only Coverage. For all plans offered by the ASPCA Pet Health Insurance Program, you can visit any vet, specialist or emergency clinic — no need to worry about networks. Simply get your pet the help they need when they need it then submit your claim at a later date.

  • Complete Coverage: The ASPCA Pet Health Insurance core offering is the Complete Coverage plan, which covers accident, illness, hereditary and behavioral issues. Cost varies based on your plan elections.
  • Accident-Only Coverage: For around $20 a month with a $5,000 limit, accident-only coverage is available to cover the fees associated with diagnosis and treatment of accidents like broken bones, cuts, wounds and toxic ingestion.
  • Preventative add-on: While preventative care is not covered under a regular plan, you can add-on preventive care for between $10 and $25 extra a month.

What does ASPCA Pet Health Insurance cover?

Coverage includes exam fees, diagnostics and treatments under the categories below. The ASPCA Pet Health Insurance Program advertises covering most advanced treatments, including conventional treatments like chemotherapy and surgeries, as well as less common treatments like stem-cell therapy and acupuncture.

  • Accident: Accident coverage deals with costs associated with injuries like broken bones, torn ligaments, toxic or foreign object ingestion, cuts and other wounds that require emergency treatment.
  • Illnesses: Covered illnesses include cancer, arthritis, allergies, hypothyroidism, digestive problems and UTIs.
  • Hereditary and Congenital Conditions: Your pet is covered for inherited conditions that present later in life, such as heart disease, eye disorders and hip dysplasia.
  • Behavioral Issues: The program covers visits for concerns related to issues like anxiety, compulsion, excessive licking or other destructive behaviors.

ASPCA Preventative Care coverage

If you elect the Preventative Care add-on, coverage is also available for the following items, depending on which options you select.

  • All
    • Annual exam
    • Heartworm test or FELV screen
    • Spay/neuter
    • Wellness blood screening
    • Microchip
    • Urinalysis
    • Heartworm/flea prevention
    • Fecal screen
    • Dental cleaning
  • Dogs
    • Canine Bordetella vaccine/titer
    • Rabies vaccine/titer
    • Lyme vaccine/titer
    • Canine DHLPP vaccine/titer
  • Cats
    • Rabies vaccine/titer
    • FIP vaccine/titer
    • Feline FVRCP vaccine/titer
    • Feline FELV vaccine/titer

What’s not covered

ASPCA Pet Health Insurance does not cover preexisting conditions, breeding costs or cosmetic procedures like tail docking, ear cropping and claw removal under the Comprehensive Plan. Preventive care is only available as an add-on service for an extra fee. The organization includes the following list of exclusions on its site.

  • Anal gland expression
  • Boarding
  • Breeding/pregnancy
  • Cosmetic procedures
  • Dental services
  • Elective procedures
  • Experimental treatments
  • Funeral services
  • Grooming
  • Herbs
  • House calls
  • Illness or injury related to neglect
  • Ligament and knee conditions
  • Non-medical supplies
  • Non-veterinary services
  • Organ transplants
  • Pre-existing conditions
  • Prescription food
  • Preventative care
  • Supplements and vitamins
  • Training
  • Treatment related to epidemics or pandemics

ASPCA Pet Health Insurance cost

The average price for the ASPCA Pet Health Insurance Complete Coverage plan for one pet is $35 per month. The cost increases or decreases based on your selection for annual limit, deductible and reimbursement percentage — all of which are customizable.

Annual deductible: Choose from $100, $250 or $500. The higher the deductible, the lower your monthly premium. However, the lower the premium, the more you’ll pay out of pocket per claim.

Reimbursement percentage: Choose from 70%, 80% or 90% reimbursement. This is the amount you receive back on your vet bill after paying your deductible.

Annual limit: Choose from $5,000, $10,000, $15,000, $20,000 or unlimited annual limits. This is the total amount ASPCA reimburses you per 12-month period.

Annual limitDeductibleReimbursementMonthly cost
$5,000 limit$50070%$25.66
$15,000 limit$25080%$45.21
Unlimited$10090%$75.96

ASPCA Pet Health Insurance FAQ

Does ASPCA Pet Health Insurance cover spaying?

Spaying and neutering are included under the preventative care add-on insurance option but is not covered under ASPCA’s standard Complete Coverage plan.

Does ASPCA Pet Health Insurance cover preexisting conditions?

No. Preexisting conditions are not covered under any of the ASPCA plans. However, certain hereditary conditions that develop later in life, like hip dysplasia and eye issues, are covered under the Complete Coverage plan.

Is there a waiting period with ASPCA Pet Health Insurance?

Yes. All policies have a 15-day waiting period before they go into effect.

Does ASPCA Pet Health Insurance have an app?

Yes. The ASPCA Pet Health Insurance app is called “My Pet Insurance,” and allows you to submit and track claims from anywhere.

Do we recommend ASPCA Pet Health Insurance?

Pet care can be expensive and rarely ever thought of until it is needed. A service like the ASPCA Pet Health Insurance can help reduce the cost of an ill-timed vet emergency. With vet costs averaging between $200 and $400 a year, these bills can start to stack up. In the event your pet needs major surgery or emergency care, pet insurance can be the difference between getting your pet the care they need and being forced into tougher monetary decisions.

ASPCA Pet Health Insurance Reviews

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Verified purchase
Claims HandlingStaff

Reviewed Oct. 17, 2023

The claim process has taken a little longer than expected at times but everyone I have ever spoken to has always been so helpful and friendly. As a 1st time pet owner I didn’t know who to trust but as I looked up ASPCA always had great reviews and has been around for years I trust them with my pups insurance and would recommend to any other pet owners.

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ASPCA Pet Health Insurance
Response from ASPCA Pet Health Insurance

Hi Bonnie, thank you for taking the time to leave a kind and thoughtful review - we appreciate it! Also, we are really sorry to hear that you're experiencing claim delays. We understand how frustrating it can be when you're eagerly waiting for a resolution, and we apologize for any inconvenience this delay may have caused you. Please reach out to us at 1-866-204-6764, if you need further assistance in the future.

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    Verified purchase
    Claims Handling

    Reviewed Sept. 13, 2023

    ASPCA is good. I adopted a newer dog earlier this year, and I didn't realize that I hadn't added the preventative coverage. I don't remember seeing it to click on it. All my other dogs have had it, so I thought it was just gonna flow together, but it didn't. So, I have to wait until the renewal next year to add that. Having the insurance is one of the best things that we've done for them. My dogs have had several surgeries, different conditions, and we are constantly at the doctor's office with them. So, it has greatly helped. The only real issue I have is the processing time for claims that it can extend to a month or more. I do recommend them. My sister has a policy for her dog because I recommended.

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    Response from ASPCA Pet Health Insurance

    Hi Samantha, we appreciate your thoughtful review and insightful feedback. Give your pups some extra treats from us!

    Verified purchase
    Customer ServiceClaims HandlingStaff

    Reviewed Aug. 17, 2023

    I wanna thank the staff that have helped out. I have a very sick dog, and I've filed a lot of claims because she has had so many challenges. She's got about four diseases that she's been fighting, and it's been about two years now. She's still with us, but a lot of things I couldn't do if I didn't have the insurance. Recently, I filed four claims in two weeks. They were gummed up a little, so I called on Friday last week and talked to someone. She said, “I'll look into this and I'll put a tag on it.” That makes me feel good. I'm not being blown off and I'm treated with compassion. They were on it, and I got reimbursed today.

    ASPCA has been great. They've been easy to work with, and they even ask about my dog when I call if I have a question. I usually process my claims online with the app, and I've had, for the most part, good success with that. I have full coverage so I'm very happy with it. I pay quite a bit now because my dog's elderly. It's not the cheapest thing on earth, but it has helped me financially and I get 80% reimbursement.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Robert, thank you for sharing your experience and leaving such a thoughtful review. We appreciate it!

    Verified purchase

    Reviewed Jan. 26, 2023

    I would highly recommend ASPCA Pet Health Insurance to anyone with a pet. We never expected to have to use it, but one of our cats quickly became sick and would not eat. We had to take him to the emergency vet hospital because it was Christmas Eve. He was in the hospital for 3 days and they helped him to recover fully! We submitted the claim to ASPCA about two weeks week later and about 2 weeks after that they deposited almost the full amount in my checking account (less the deductible and 10% co-insurance). No questions asked! And this was a $2500 bill!! I am thankful that we signed up for pet insurance and I am thankful we chose the right company...ASPCA Pet Health Insurance! THANK YOU!!

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Amy, thank you for taking the time to submit such a kind review! We appreciate it.

    Claims Handling

    Reviewed Dec. 2, 2022

    I can honestly say that carrying insurance on my pets has been the greatest decision I've made as a responsible pet owner. I have had pet accident insurance with an additional rider for preventative care for my Corgi since I got her 4 years ago. It's nice to be able to file claims on the preventative care items with that additional coverage, but I've never been more thankful for this insurance until recently. She started needing treatment for skin allergies and then had an ACL tear and needed a very specialized and very expensive orthopedic surgery to repair the joint. I am sure I would have needed to take out a small loan to pay for all the treatment she needed if it weren't for this insurance plan. In addition to helping with vet bills tremendously, I am always impressed at both the ease of filing a claim and the speed in which claims are processed and reimbursement payment is issued. I'd recommend this insurance to anyone who has a pet!

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Mandy, thank you for taking the time to submit such a kind review! We appreciate it. Please, give your four-legged friends some extra treats from us!

    Verified purchase

    Reviewed Nov. 1, 2023

    I have a horse insured with ASPCA. Signing up was very simple and easy. I did it on the phone app. I had to use the insurance one time. It was hassle-free, and they did what they said they would do. ASPCA is easy to work with. They do what they say. I never had an issue. I'm happy with my coverage.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Branden, thank you for taking the time to leave a kind and thoughtful review - we appreciate it!

    Verified purchase
    Rates

    Reviewed Oct. 23, 2023

    Enrolling was very simple. APSCA covers a decent amount of services. They have reasonable rates. But some of their contact information isn't really easy to find. Other than that, my best friend's daughter got a new puppy and I told them to get him enrolled in insurance right away.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Cheryl, we're happy to hear your enrollment process went smoothly. If you need any assistance in the future you can reach our customer service team at 1-866-204-6764.

    Verified purchase

    Reviewed Oct. 20, 2023

    The enrollment process was really easy. I did it online from a PetDesk. They let me customize some things in my policy. It covered the general visit, and then my cat got bloodwork during it and it covered a portion of that and also a portion of the nail clipping. The visit was $150 and I got a $50 check back.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Amanda, we're happy to hear we were of some help during your latest vet visit. Also, thank you for taking the time to leave a mind review - we appreciate it!

    Verified purchase
    Claims Handling

    Reviewed Oct. 18, 2023

    My overall experience over the past two year has been excellent. Unfortunately, my rescue dog, Johnny, suffered with Lyme Disease and then Heartworm. His treatment protocol for each was long and intensive, requiring numerous medications and veterinary visits. Without fail ASPCA, timely and properly processed all claims and covered claims totaling almost $10,000.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Gary, thank you for taking the time to leave a review. We're glad to hear we have been of some assistance while managing such dog health concerns. Please give Johnny some extra treats from us.

    Verified purchase
    Claims Handling

    Reviewed Oct. 17, 2023

    We have unfortunately needed to use our pet insurance for major incidents already - and we are so glad we have it! We would have been out of pocket many thousands of dollars more than we ended up needing to pay. The webpage is easy to use and the options are great for coverage. We had no issues getting our claims back, too. Thank you!

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Debra, thank you for taking the time to leave a kind review - we appreciate it!

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    ASPCA Pet Health Insurance Company Information

    Social media:
    Company Name:
    ASPCA Pet Health Insurance
    Year Founded:
    2006
    Website:
    www.aspcapetinsurance.com