ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,719

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: Gregory Walsh

Online application process was simple…

Online application process was simple and effective. Coverage details were clear along with pricing. I feel relieved to know we have insurance protection for major expenses.
5

out of 5

POSTED: | BY: Emma S.

Sweet Redemption! Apology Excepted!

Previously, I reviewed ASPCA, and was applauded at how the company swiftly, willing responded to my concerns on how claims were being handled. In the mist of all the commotion, our sweet, elderly furry family member became very ill, and we lost him. After mourning his lost, we encountered the warmest email from ASPCA, and they went above and beyond to help us to finish his claims, even after he was gone. Sometimes it is easier to make a hasty opinion about a company, until you have to deal directly with them. After dealing directly with ASPCA Pet Insurance, I had to come back to Trust Pilot, and make it right for my deceased furry family member. They are a superb company, after you understand their process. I respect and thank them for acknowledging my loss. When we or if we get another furry family member, ASPCA, will be the first company we will use to insure our loved one. Two Thumbs Up, and Thank You for restoring our faith in companies who are still trying to stay strong and please the clienteles. Blessings to you. Regards, Emily
1

out of 5

POSTED: | BY: Hillary

It's a scam...I have four pets on this insurance…

I have four pets on this insurance plan. I have the accident and illness plan. So far, not a single claim for any of the 3 pets for whom I have submitted claims has received any reimbursement. Originally, the explanation was that the Vet had not heard back from the veterinarian. This was for three different veterinarians. So, the FAQs say to submit medical records. I submitted all of their medical records and then all of their regular bills so the insurance company would have the entire picture of each pet. Now, the excuse for not reimbursing a dime for any of the pets for any of their claims is "other exclusions apply". I am quite disappointed that I have spent so much money, thinking my 4 pets were covered. Our pets are a young dog, middle aged dog, and two middle aged cats. The claims have run from injured leg, skin infections, and illness. Nothing has been covered. One of our dogs just had surgery for an injury. I'll submit it, with no expectation of reimbursement, like the other claims we've submitted. I am currently on the search for a real insurance company. I am so disappointed that the SPCA would be affiliated with such a company.
5

out of 5

POSTED: | BY: Sayre

ASPCA Pet Insurance is always responsive and efficient

ASPCA Pet Insurance responded quickly and efficiently to my claim, as it always has in the past. The coverage is excellent and so is the customer service.
5

out of 5

POSTED: | BY: Sharon Pfeiffer

honest

honest, clear and seems like claims will be received and processed efficiently

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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