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: JoAnn Rosenmund

All information explained

I found the site easy to navigate and understand. It contained all the information I needed to make my choice.
1

out of 5

POSTED: | BY: SMP

Terrible service!I have had this pet insurance for over…

I have had this pet insurance for over the past 16 years for all my pets and I had always been okay with their response and help. Unfortunately the past few years have been extremely disappointing. I am currently on hold with the company at this present time..it is now 48 minutes waiting on hold, and this is not unusual anymore, in fact I would say it is the norm. I also have to follow up on claims, check the status.. question the reasons for denial, as they don't make sense. The most recent and very distressing incident occurred when I had to bring my16 year old cat to the emergency room on Christmas Eve,he was very ill and sadly the decision was made to euthanize him. I was extremely upset, my buddy was no longer with me. Later, I did submit a claim for the vet visit, I had to make approximately 10 phone calls as they kept sending emails that they didn't have enough information. They only reached out to the vet once until I requested them to. I found many of the interactions with the agents at the ASPCA to be less than one should expect, especially as they are speaking with customers who have sick animals. I am now on hold 55 mins!!!! Is this acceptable? I still do not have a satisfactory response for my claim, and they are still charging for insurance for my cat who has passed. Very Frustrating dealing with this insurance company! It is now 60 mins...still waiting to speak with someone ! Little update...just left this email while waiting to speak with someone...still on hold..1hour and 25mins now!!!!!
1

out of 5

POSTED: | BY: Sally Prado

I have gotten nothing in the mail with…

I have gotten nothing in the mail with any proof of coverage or how to use the insurance
4

out of 5

POSTED: | BY: John Vendetta

Getting real expensive and takes over a…

Getting real expensive and takes over a month or longer to get reimburse. It is still good insurance.

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.

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