5
out of 5
POSTED: | BY: Alexander Mohler
Amazing experience
Easy to navigate and follow the steps!
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,868
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: Jackie Daman
I was changing insurance companies for…
I was changing insurance companies for my pets and read your reviews and also the price was good. Have to keep my furry kids covered.
1
out of 5
POSTED: | BY: Tracy Hill
Save yourself the heartache and don't buy this insurance
Refused to pay for my dog's accident, even though coverage is for accidents. They have people reading from a a script to deny coverage, even after 2 vets sent extensive records. Give you the runaround. They don't care about your pets. Horror stories from other clients. I didn't choose this insurance. The policy was sold to to ASPCA. All of the glowing 5 star reviews are "verified", while the honest reviews are "redirected ". STAY AWAY FROM THIS INSURANCE.
IT'S CLASS ACTION LAWSUIT TIME
1
out of 5
POSTED: | BY: Iraj Moin
I sent claim two times
I sent a claim two times, but no response.
1
out of 5
POSTED: | BY: Jaylene
waste of money, barely covers anything
Just like other insurance companies... ASPCA barely covers anything. Preventative care is a waste of money as well. They give you pennies for vaccines and don't even cover the total cost of exams. The monthly premium isn't worth it. Better to just save that money and put it towards the future vet bills.
I have claims that were denied because of preexisting conditions. I have NEVER taken my pet in for what they describe as a preexisting condition. To make matters even more frustrating YOU have to contact a separate entity and file a complaint.
Seriously, just avoid ASPCA insurance and save up some money every month instead of paying for a plan that will barely cover anything and if it does you'll get pennies.
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.