ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,894

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: Kaitlyn D

Horrible. Deny claims.

Horrible. Accepted us under insurance and then conveniently wouldn't cover claims because of “pre-existing conditions…” despite being undiagnosed for anything. It would have been nice if they told us this before we paid a large sum of money for multiple months. We recieved 0$ despite clearly meeting our deductible… and oh by the way, all the money we spent on those bills did not EVEN count for the deductible… Anyone having these issues just go to AKC as they are only pet insurance that’ll cover “pre-existing” conditions. This also applies to “pre-existing” conditions that are UNDIAGNOSED. DON’T WASTE YOUR MONEY!!!!!
5

out of 5

POSTED: | BY: Marisa Lewis

So far so good

So far so good, I've had them for several years and they've never denied a claim. I got my pets covered when they were pretty young though.
1

out of 5

POSTED: | BY: Sam

They denied coverage of my pet's ACL…

They denied coverage of my pet's ACL surgery and treatment claiming it was an illness not an injury. I contacted my veterinarian about this and they claim they have never heard such a ridiculous denial. ASPCA will not be there for you or your pet, do not recommend the use of this company. Either a lack of knowledge or lack of compassion, very poor experience
5

out of 5

POSTED: | BY: RANDY Murray

This is my first time in over 50…

This is my first time in over 50 decades of owning an animal, that I've purchased pet insurance. I'm glad I have. It's given me peace of mind.
1

out of 5

POSTED: | BY: Katherine

Absolutely infuriated with ASPCA

Absolutely infuriated with ASPCA, going through the sign up process it seemed like a lovely value, and my understanding was that the preventative limits were what were always covered up to, not if my vet charged a single cent more, nothing would be covered. I feel scammed of my $120 spent on my new puppy, who went through his crucial vaccination period and I received hardly anything back from the insurance because everything cost $35 instead of $25. It makes absolutely no sense why you would refuse to pay up to your allowed amount, and instead decide to cover $0 because my bill was higher. I should be responsible for the $10 difference, not the full amount PLUS my monthly premium. Simple a scam and I will be canceling.

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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