ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,792

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: Glen R.

Terrific Organization.

I'd like to give a pat on the back to the young lady named Kimberly,that reached me by telephone to inquire about how I thought the claim was handled, and how Snowball is doing She should be commended on her telephone etiquette and customer relations! Thank You!!!
5

out of 5

POSTED: | BY: Dona

This insurance gave me peace of mind.

My 13 year old Great Pyrenees suddenly got sick and it was comforting to know that I could afford whatever tests and treatment she needed because of the ASPCA insurance. Unfortunately, she had to be put to sleep and I was surprised to learn that, in addition to the coverage of her vet bills, ASPCA also covers costs of euthanasia. I also appreciated the compassion and kindness of the people from ASPCA I spoke to after her death.
5

out of 5

POSTED: | BY: Wendy

They really care about animals

I have 3 cats and I've always had ASPCA health insurance for them and I couldn't be happier. My claims have all been paid very quickly and they've always been very helpful whenever I've had questions. They even called to check on my cat when she was recently diagnosed with cancer. The diagnosis is devastating, but at least I didn't have to pay for all the tests, which are extremely expensive. I got this insurance specifically for this type of catastrophic illness and I'm so glad I chose ASPCA. I recommend them to all my friends.
1

out of 5

POSTED: | BY: Michele

Biggest mistake I made last year

I would give a zero if I could. They are complete liars, scam artists and will say anything for you to join, then not cover a thing. Please please I am begging you, do not get them. We had the second to top tier in coverage, and NOTHING has been covered. One example is the vet documented that he may have a long soft palate but were unsure and wanted to revisit if any problems occurred. Well, he did, and even though it was not discovered until nearly a year later ASPCA refused to cover the surgery because there was mention of a possible issue a year. What's worse is we even called to verify it would be covered 2 weeks before and were told it would!! Or how about when he had a flare-up within the first 30 days of getting insurance, it went away, but came back 56 days later. Again, denied because he suffered the same problem (even though it was resolved) during the waiting period. THIS COMPANY IS A SCAM!!!!! They got nearly $1,000 from us for a year of insurance and covered $0 out of $2100 claims submitted.
5

out of 5

POSTED: | BY: Diana C

Fast Claim processing

My french bulldog Frankie, needed Emergency surgery for a blockage after eating a rubber toy. ASPCA was quick to process my claim and reimburse me. Their customer service department was extremely helpful as well. I would definitely recommend the accidental insurance, it was affordable and I was reimbursed a good amount.

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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