ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,718

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.
4

out of 5

POSTED: | BY: tdelavayi

Initial Review

This is only a review for an initial accounting. I have not made any claims yet. The process of looking for a plan was pretty grueling but I settled for ASPCA based on price, offerings, and reviews. Their member website seems very intuitive. I received a paper copy of the contract and their electronic communication is good. I have not used customer service so cannot talk to it. The problem with any type of health insurance is the increase in costs for your dog as it ages. You should note that if you try to buy any pet insurance they will be looking at your pet's record for pre-existing conditions or symptoms. It will not be covered as per your contract until they are free and clear of ANY symptoms listed previously to getting insurance. I settled on a lower premium and am going to match it to savings.
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1

out of 5

POSTED: | BY: Richard Cohen

Overcharging and escalating

Firstly, they escalate premiums at an outrageous rate. Way above market even before they escalate. Secondly they make it nearly impossible to cancel your policy - i dare you to try find where to do this on the web portal.
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5

out of 5

POSTED: | BY: Penelope Davis

Tiny Tim

Easy to do and lots of information given.
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4

out of 5

POSTED: | BY: Karen E Schumaker

So far communication is great and the…

So far communication is great and the plan appears to be easily utilized.
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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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