ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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: Ann

Dental cleaning is supposed to be…

Dental cleaning is supposed to be covered with our plan up to $100. Our dog usually gets dental cleaning every 3 years because that's when medically necessary as deemed by our vet. He did have to get an extraction due to chewing on something he was supposed to have, causing a fracture. While he was under anesthesia, they suggested to do the dental cleaning even though the tartar wasn't too bad. It saved us from putting him under anesthesia again (and he's older) later this year to undergo the cleaning. They wouldn't cover the cleaning becuase they said there was tartar mentioned in his notes 6 months ago. They only cover cleaning when there's nothing wrong with the teeth - no one will put their dog under anesthesia for a dental cleaning if there is nothing to clean. That is the only way they will cover it. Trying to get away with whatever they can to not cover something that clearly should be covered. Should be ashamed of themselves.
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3

out of 5

POSTED: | BY: Janice Duncan

Disappointing claim service

They rejected a claim because they hadn't received past vet records, though we had sent them. I re-sent and they said they had received would review and expedite claim. That was 7 weeks ago, after I was told that now they did have the records. They just keep saying the same thing and do nothing. Very disappointing.
5

out of 5

POSTED: | BY: Beverly Beahn-Sivula

Loved working with ur staff

Loved working with ur staff. They were professional and ready to answer all my questions. Extremely pleased with not only the team you have working for you but the price of your plans compared to other pet insurances. Would recommend you to everyone!!!
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3

out of 5

POSTED: | BY: Gary Spanedda

Average at best

Average at best. Rates increase, increase and increase for no good reason. Your typical insurance company, not much different from human healthcare. I am sure there are better ones out there, but I also know from experience there are worse ones.
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1

out of 5

POSTED: | BY: Lois Rutter

oct, dec and jan

since oct, dec and jan I submitted claims over 500.00 and have not recieved a penny I know its a renew date but since oct?? what is the sense of ins, if I can get reimbursed, I am low income and elderly I do not want to get rid of this dog she eats better than I do and is very loved
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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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