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.
1

out of 5

POSTED: | BY: Eric Reaves

Absolute ripoff

Absolute ripoff, like most insurance companies. I have two young German shepherd dogs (under 3 years old) so I wanted to get a good pet insurance while they are young. I did my research like most, though with insurance it is difficult because most reviews are on sites they pay or their own website. I had 2 claims come up during my time in having the pet insurance. I’m both instances, the issue is they will do everything in their power to deny the claim in the hopes you will give up trying to get reimbursed. In our cases, they kept saying that “after multiple attempts, they were unable to obtain the necessary medical records to process the claim.” So I went ahead and called my vet hospital to verify if the information was sent. Not only was the information was sent, but twice! After multiple frustrating calls to ASPCA, they were able to “find” the documents, but it always seemed to conveniently found a way to miss them or they claimed they don’t receive them. I think what really goes on is that if they can’t find a good reason to deny it medically, they will say they can’t obtain some record and just hope the person submitting the claim will give up. Well we didn’t give up and it took a few tries but we got our money and cancelled the insurance, never looking back.
5

out of 5

POSTED: | BY: Jessica Schlitzberger

Easy to use

Easy to use. User friendly.
5

out of 5

POSTED: | BY: Genara Flores

It was an easy process

It was an easy process, loved that!
4

out of 5

POSTED: | BY: jsavard

Signing up was easy

Signing up was easy, but didn't realize it would not be under Travelers. That was the only issue. I then had to go find ASPCA emails, because I was looking for Traveler emails.
5

out of 5

POSTED: | BY: Carli FOLEY

Easy to sign up

My dog has been limping so I got it to help with X-rays

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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