ASPCA Pet Health Insurance Reviews, Costs & Coverage

ASPCA Pet Health Insurance

History

When you think of companies who work tirelessly for animals and their needs, a few companies immediately come to mind: PETA, the Humane Society, and the ASPCA Pet Health Insurance. The American Society for the Prevention of Cruelty to Animals is well-known for their efforts of helping as many animals as possible to find forever homes and live as comfortably and healthy as can be. Thanks to a partnership with Crum and Forster Pet Insurance, they are able to help animals even more by providing financial assistance for veterinary bills.

The partnership developed in 2006 as pet lovers from both companies realized one of the best ways to prevent animal suffering is to ensure loving pet owners have the means to pay for veterinary care, no matter the cost. Also, the partnership tailors pet insurance coverage to align with the beliefs of the ASPCA Pet Health Insurance to promote ethical medical treatment and practices. ASPCA Pet Health Insurance is definitely worth looking into if you want pet insurance that stems from a company that always puts animal needs first and charges very affordable prices for its plans.

What They Cover

Thanks to their preventative mindset, ASPCA Pet Health Insurance offer policies that reward pet owners for staying cognizant of their pet’s health and seeking treatment before a small issue becomes something too big to care for or afford. They also cover all the essential care a pet owner could want, such as hospitalizations, cancer treatment, diagnostic tests, accidents, illness, injuries, and prescriptions.

Pet owners will also be happy to know that they cover hereditary and chronic conditions. As an optional add on, ASPCA Pet Health Insurance also offer great wellness coverage for as low as $9.95 per month, which includes flea & tick meds, coverage for spay/neutering and more.

What They Don’t Cover

As with any pet insurance company, there are a few things that ASPCA Pet Health Insurance doesn’t cover, namely:

  • Pre-existing conditions
  • Breeding or pregnancy
  • Supplements
  • Unethical Procedures (tail docking, ear cropping, etc.)
Plan Coverage Options

ASPCA Pet Health Insurance realizes the value of providing quality pet insurance at affordable prices to ensure pets can always receive the care they need when they need it, rather than having money dictate the health of a pet. They offer a good range of policies, deductibles, and limits. Their deductibles are set per year and can be chosen from $100, $250 and $500. Reimbursement options can be in amounts of 70%, 80%, or 90%, and policy limits range from $5,000 to unlimited. Their lifetime limits are also unlimited up to the policy limits. Below is a summary of benefits for the Complete Coverage plan.

Deductible
  • $100
  • $250
  • $500
Reimbursement
  • 70%
  • 80%
  • 90%
Policy Limits
  • $5,000
  • Unlimited
Policy Coverages
Deductible Type Per Year
Deductible Options $100 - $500
Reimbursement Options 70% - 90%
Policy Limit Options $5,000 - Unlimited
Lifetime limits Unlimited up to policy
Wellness Cover Cost $9.95 - $24.95 per month
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Hospitalization
Surgery
Cancer Treatments
Specialists
Outpatient Care
Alternative Therapies
Waiting Periods
Policy Coverage Starts At midnight after sign up
Accidents At midnight after sign up
Illnesses 14 days after policy starts
Average Reimbursement Time 14 days after claim
Compare Pet Insurance
How much will I get back from ASPCA Pet Health Insurance?

As mentioned, ASPCA Pet Health Insurance has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:

...
Daniel

Example 1

Your dog develops a kidney infection and the vet bill includes lab tests, one night stay for observation, and then expensive medicine to cure the infection. Total, everything costs $2,940. If you have a deductible of $100 and a reimbursement rate of 80%, you can expect to get back $2,252.

$2,252 Total Back
...
Sally

Example 2

After taking your dog to the vet for a bad limp, it is determined she needs ACL surgery to fix a severe tear. The surgery plus the pain medicine after is going to cost $8,445. If you have a $250 deductible and 90% reimbursement, you will get back $7,351.

$7,351 Total Back
...
Jesse

Example 3

Your cat ingests a parasite that requires a 3 night stay at the pet hospital and a stomach pump that all totals $5,675. Thankfully, with ASPCA Pet Health Insurance you have a $250 deductible and an 80% reimbursement rate, meaning you will get back $4,290.

$4,290 Total Back
How much does ASPCA Pet Health Insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of ASPCA Pet Health Insurance's plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: Dalmatian
Age: 3 years
Zip code: 98260
$10,000 coverage
$250 Deductible
90% Reimbursement
Plan Cost $34.28 Per Month
Breed: Maine Coon Cat
Age: 1 year
Zip code: 98260
$5,000 coverage
$100 Deductible
80% Reimbursement
Plan Cost $13.44 Per Month

What do pet owners say about ASPCA Pet Health Insurance?

4.6
Very Good
5 star
74% Complete (success)
74%
4 star
16% Complete (success)
16%
3 star
7% Complete (success)
7%
2 star
3% Complete (success)
3%
1 star
0% Complete (success)
0%

In terms of reviews, customers love how much ASPCA Pet Health Insurance truly cares about animals and the level of care they receive with ASPCA Pet Health Insurance. They have an average review score of 4.6/5 for great customer service and follow-up after a claim. See reviews from ASPCA Pet Health Insurance customers below.

ASPCA cares about owners and pets!
Allan

I wish I would have known about ASPCA’s insurance sooner. I would have bought it for my first dog since it would have helped with the vet bills racking up at the end of her life.I learned my lesson and shopped around for insurance when we got our new pup Eliot last year. I did tons of research on different policies provided and finally settled on ASPCA. So far, they have been very reliable whenever I have submitted a claim, covering costs exactly as my plan outlines. They even follow up with a phone call after to make sure your pet is doing good. They definitely show great customer service, and I would recommend them to any pet owners who don’t have coverage.

Utah - puggle
Insurance with heart.
Delaney

I was completely surprised by how much an insurance could care about a pet. ASPCA goes the extra mile to make me feel like my pet’s welfare is actually their top priority and not money.

Maryland, Border Collie
Awesome Follow up!
Anita

WE submitted a claim a while back when our dog somehow got into my son’s Halloween candy and ate I don’t know how much chocolate andwe got really nervous thankfully the vet was open and able to give meds and treat our dog before anything really bad happened my kids would have been devestated if something happened after all was said and done our invoice from vet was in the hundreds and with the holiday coming up we didn’t have that kind of extra cash but thankfully ASPCA saved us by reimbursing us quick and with very litte struggle They even called a couple weeks after to see how our dog was doing! That’s great service to me

Utah, black lab
Good policy limits.
Taylor

I like that ASPCA insurance offers so much options for limits and deductibles, you really can customize the policy to exactly what you need, I think there are 3 dedutable choices and like 5 or 6 limits choices.

Kentucky, Golden Retriever
Every pet owner should call ASPCA for a plan.
Avery

My mom got really sick a while back and needed a way to cut costs with all the extra medical bills pouring in, so we decided that I would take her dog, Max, to give her peace of mind that the dog would be okay. Being in just a beginner job, however, I wasn’t ready for the monetary burden an animal can cause. I’ve always loved Max and when he came to live with me it was like he was always my own, but each vet visit drained my extra spending money. I am so thankful that on the last visit, the vet tech told me to look into pet insurance and said she knows a bunch of friends who are happy with ASPCA. I called them up that day and they helped me get a policy immediately!

They were patient and helped walk me through the whole process and made sure to help me find a policy that was best for Max since he is already 6 but that also isn’t too expensive for me. I’ve submitted two claims so far and it couldn’t have been easier. I feel so much calmer knowing I can give Max what he needs and also knowing I’m not letting down my mom. It’s also one less thing she has to worry about.

California, Maltese
See how ASPCA Pet Health Insurance compares
Bonus Points

Shopping for pet insurance policies can definitely be stressful. We’ve all heard horror stories of policies too good to be true, so it’s a breath of fresh air to have an insurance company that truly wants to help and cares more about the animals they serve than profits. You’ll get the same level of passion for animals with ASPCA Pet Health Insurance as you do with their adoption services. Here at Pet Insurer, we also love that there are no networks with ASPCA Pet Health Insurance - you can visit any vet in the country with no issues — and they offer a 30-day money back guarantee if you aren’t fully satisfied. Insuring with ASPCA Pet Health insurance is a big step in the right direction toward keeping your pet strong and healthy as long as possible.