5
out of 5
POSTED: | BY: Nechelle
The timeliness and processing of claims.
The timeliness and processing of claims.
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4.5
out of 5
Number of reviews 11,714
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: Geofredo Santiago
So fast with claims and so easy to put…
So fast with claims and so easy to put in a claim via the app. Highly recommend
1
out of 5
POSTED: | BY: Elizabeth
The Worst insurance company
don’t bother with them.
I have had this insurance for 7 years and previously had no issues, but then I got a new puppy in May of 2024. Made sure to get the insurance before I got the puppy and paid extra for the wellness plan they provide to cover her spay, shots, etc.
Took my puppy for her shots and puppy check supposedly during the “14 day waiting period” of when the Illness insurance would of started, which I didn’t think would matter, since it was for shots on the already active wellness plan, but now that my sweet puppy needed surgery due to swollen inverted tonsils causing her to randomly choke and have heavy breathing, and the specialist vet stating to do the BOAS surgery at the same time, ASPCA said they wouldn’t cover any of the $5k for the surgery due to it being noted that she is a French bulldog at the first wellness puppy appointment and therefore the vet informing us that this entire breed may need surgery in the future for her breathing and to keep an eye on her as she grows.
Seriously bull! I pay over $350 a month to this company and they used a wellness check where the vet is doing their due diligence to inform me of the breed itself against me and my puppy’s unexpected surgery.
now I am stuck with this insurance company because anyone else would say anything before now is “pre existing“ and therefore I can’t leave.
don’t use this insurance company!!
5
out of 5
POSTED: | BY: ElizaR
My first claim
My first claim was reviewed and processed promptly. The online form made it easy to submit and emails kept me updated on the status of the claim.
Knowing how frustrating insurance companies can be to work with, this was a pleasant surprise!
1
out of 5
POSTED: | BY: Juanita Gonzales
Double Charges and NOT REIMBURSED as of YET!
I am really disappointed with ASPCA stating and acknowledging of a double charged error in their system and I have called the day of 10/1/24, and 10/04, 10/07, 10/15 and 10/22. Even if it's an amount of $77.87 it's still robbing and not yet reimbursed as promised. I confirmed they had my checking account number and still nothing. I am not happy with having to keep checking my account.I have emailed and said if I do not get reimbursed I will dispute this amount and will cancel and shop elsewhere! Anyone else going through this issue?
Check your bank accounts!!
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.