ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,818

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.
5

out of 5

POSTED: | BY: Jorden Kennedy

Very quick with the claims and very kind staff

Back in August my dog started coughing and it was a battle to get him to stop. So many medications and tests had to be run to make sure we got to the bottom of it. It was a very expensive and trying time, but the insurance was so quick with the claims and reimbursement. They said it could be a few weeks but every time we submitted a claim, it was only a few days. We are so grateful for the quick turnaround with reimbursement especially when money is tight.
1

out of 5

POSTED: | BY: Jessica Sanders

Definitely not worth continuing

Definitely not worth continuing. They refused to cover routine preventative vaccinations, and the ones which were covered were reimbursed at a fraction of the customary cost. They also refused to cover allergy treatment, though failing to treat leads to skin infections. I do not want to continue paying high premiums only to find out what they won’t cover in the future. My family will take that money and self insure, again.
1

out of 5

POSTED: | BY: mary brown

DOES NOT PAY A DIME! THIS IS A COMPLETE SCAM!

DOES NOT PAY A DIME!!! I hv spent months tryn to get them to approve an estimate & pay the amount do for the covered vet visits! Calling weekly jumping through all their hoops. My claim has now been sitting in the claims department desk with everything they need for three months. I don’t know how this shows that they have such a high rating. They are by far the worst company I have ever dealt with they do not care about the animal one bit. They’ll tell you they’re thankful for your continued loyalty as a customer, but they’re just thankful you’re paying the payment while jumping through all their hoops so that they don’t have to pay anything.. I have spent hours on the phone with themover the last six months! it’s become like a part-time job I have finally given up. They finally wore me down. Please do yourself a favor and do not waste your time and your money with this company. It will only bring you heartache. My next step will be the BBB.
1

out of 5

POSTED: | BY: Jennifer Boisvert

Horrible Pet Insurance

Horrible Pet Insurance! I had insurance with this company for 3 years. They raised my premium every year, which was more than doubled by the 3rd year. I had accident insurance and when my dog needed a CrCL knee ligament surgery after partially tearing it hiking and then fully tearing it playing stick shortly after. She was diagnosed by 3 vets to need surgery for an orthopedic injury, the company claimed it was an "illness" not an accident to they didn't have to pay the claim. I fought it in appeals, and they still claimed it was a "disease" my dog had, so wasn't an accident they didn't want to pay for. Horrible! I am out thousands of dollars for something I had pet insurance that should have covered. Please don't fall for their scams!
1

out of 5

POSTED: | BY: KK Campbell

Asked me to pay back my reimbursed claims

ASPCA has been great... until last week... when they reached out to me saying they had made a mistake a few months back and "accidentally" approved several claims that I had over 6+ months ago that they now believe were potentially caused by a preexisting condition. Which is not the case. And they are now asking me to repay them over $600 in the next 30 days from reimbursements they made to me literally between 4 months ago and 10 months ago. Absolutely absurd and unacceptable. I am good about not submitting claims that are truly for preexisting conditions, so this is just very disappointing. Not to mention - I don't have the $600 that they reimbursed me a year ago?! I would understand more if it were from last month, but there should be a limitation on how far in advance they can ask for money back.

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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