ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,852

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.
2

out of 5

POSTED: | BY: Diana Lev

I wish that I read the reviews before…

I wish that I read the reviews before joining. When aspca says that they pay for preventative — they lie. I called around and could not form anyone who would spay or give vaccines for this minimal price. Not only that, they do not cover all of the vaccines. Which is sad. They paid less than 1/6 of the spay fee. I tried canceling the preventative part of the insurance — but then they do not allow you to cancel it. The racket is that once you sign up, you are in for paying all the bills yourself — and them. Sad. I am a physician and if human insurances did this — they would be sued and would not be in business.
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5

out of 5

POSTED: | BY: Lena Property Shop Inc

Great company

Great company , have never has an issue with a single claim . I got the policy when my dog was 9 weeks old, so pre existing conditions is not an issue . The only thing is I wish premiums weren’t increased as much as they are as dog gets older
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3

out of 5

POSTED: | BY: Diana Reynolds

neutering and spaying lower reimbursement

Just got puppy Disappointing to find out you have lowered the reimbursement for spaying and neutering. I would think as a health care insurance company for animals. The one thing you would push is make affordable for people on your policy (whether it’s the first tier or a higher tier like we have) is reimbursing a better rate$$$$$ for spaying and neutering. Our vet charges over $500 and you portion should cover more.
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5

out of 5

POSTED: | BY: Barsa

Heath, accident and any other coverage

I have an English Bulldog and a French Bulldog, I knew they came with some health issues so I got insurance the day I brought then home. They are both almost 5 years old and without ASPCA insurance I would be out tens of thousands of dollars. It’s not the least expensive insurance but for me it’s the most comprehensive. It covers their allergy medications as well as vet and emergency vet costs. You can decide your deductible amount and the amount of coverage that determines your annual costs.
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5

out of 5

POSTED: | BY: Alana Santillo

I just want to save the world and fill…

I just want to save the world and fill there bowls and just give them food now and adopt one but my mom will say no and I just people fill there bowls thank and I love the Animals tell them one day there bowls will be filled with a bunch of food and there life will be in a cozy home with a owner I love you animals tall all the animals they will get food and a home with a nice owner very soon and that I love all of them bye have a nice week .❤️👍🏻
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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 Insurance detail
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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