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.
1

out of 5

POSTED: | BY: christine collis

This insurance is a fraud

This insurance is a fraud. They are not worth the money. I will tell everyone and all my patients not to use this company I worked my tail to submit all the documents they requested was promised that they would reopen the claim with the documents I was waiting for from the vets office and they still denied the claim. My dog ate bone it tore the intestinal track. My dog was never sick, so nobody knew that she had some rare disease that couldn’t make red blood cells once she had an accident and died. Then my other dog I had full coverage and preventive care. They don’t want to reimburse for that bill either these people are crooks.
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5

out of 5

POSTED: | BY: Judi Robaina

Why I chose ASPCAO

First, after doing my research I chose ASPCA because of its program and benefits. I found signing up easy. I especially like the Wellness Program. I just signed up 10 days ago and have not had much experience working with ASPCA.
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4

out of 5

POSTED: | BY: Mike I

Payment Issue

My debit card wouldn't go through with the correct information.
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5

out of 5

POSTED: | BY: Sydney Cobb

Easy and Simple!

Easy to get the actual insurance set up, and the claims process is simple/quick!
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1

out of 5

POSTED: | BY: Laurie

They denied my very first claim by…

They denied my very first claim by lumping it onto the fact that the vet gave her a supplement. Claimed the condition was pre existing and this was literally the first time she’s been seen for the condition!!! I’m done!!! Very disappointed.
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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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