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.
5

out of 5

POSTED: | BY: Andrea Hernandez

Very Happy 1st Time Pet Owner

I have had ASPCA just about since I got my dog, he's 2.5 now. Every phone call/interaction I've had with an ASPCA agent has been PLEASANT & EASY. They care about my pet and they listen attentively when I need help submitting claims or navigating the ASPCA app or login or just generally anything concerning my dog. I haven't had a single bad interaction with the customer service which is really nice considering I'm not very technologically advanced. I believe this company is a really great option for everyone to ensure their pet with and even more so for anyone who needs help navigating apps and websites. 10/10 Thank you ASPCA for insuring my pet and helping me along the way. -sincerely, a very satisfied customer
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2

out of 5

POSTED: | BY: Sydney

Raising Rates

I have had this insurance for my dog since he was a puppy. 6 months ago, they said they were raising my rates, which is understandable after 6 years, except they almost DOUBLED. So the insurance that I have had for almost 6 years has become essentially unaffordable. I am very disappointed, and will probably be cancelling, as there is no longer any benefit.
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5

out of 5

POSTED: | BY: Anna Guerra

I’ve been ASPCA pet health insurance…

I’ve been ASPCA pet health insurance for 3 years. I Have never had any problems when I submit my claims, Customer service really help me with any questions that I have.. I will keep this Pet Insurance as long as I have my furry friend.
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1

out of 5

POSTED: | BY: Chad Heese

Although my vet agreed that my dog was…

Although my vet agreed that my dog was injured in an accident, ASPCA Insurance decided to decline my claim. I am not sure how my dog tore a ligament through an illness, but that was the reason listed for the denial. She plays aggressively with our much larger dog, and clearly, she was hurt as a result. I am cancelling the insurance policies for both of dogs to try to offset some of the surgery expense. Overall, the people are very pleasant, but I prefer an insurance company that is willing to pay when it's their time.
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3

out of 5

POSTED: | BY: Denali Guevara

The txt messages were user friendly but…

The txt messages were user friendly but the format was not appealing.
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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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