ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,868

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: Wendy Weintraub

ASPCA is the WORST pet insurance out…

ASPCA is the WORST pet insurance out there! They’ve gone downhill severely in the last 2 years! They rejected a claim stating that the condition started prior to me having the cat who was rescued off the streets… So how are they stating it’s a preexisting condition, when the cat had never been seen by a vet before I rescued it. The vet put a wrong date in the record and send a letter to clear it up, taking accountability for their mistake, BUT ASPCA still rejected claims stating preexisting condition… it’s a scam “insurer” RUN DON’T WALK AWAY!!! I encourage any user who has been denied a claim improperly by this sham of an insurance company to please file a complaint with the National Association of Insurance Commissioners (NAIC) against them! If you search NAIC file a complaint, you will find the form, as this site does not let me include a link
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1

out of 5

POSTED: | BY: Gary Atkinson

Can't add wellness

Can't add wellness until a year has passed
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2

out of 5

POSTED: | BY: Nt

I signed up for a high deductible and…

I signed up for a high deductible and pay the greater amount monthly for 90-95% full coverage yet I am not covered for basic vet checkup fees (especially if it's a reoccurring visit for the same health issue) and don't get reimbursed on flea medication or vaccines. In my opinion it is really unfortunate that these things are not included. I have been looking to switch insurances because of this. I just wish I received some type of financial help when I can't help that my cat has an eye issue and needs reoccurring visits. Maybe you do cover it within a different coverage and I am not aware but I do like the insurance but it is unfortunate that these things are covered.
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1

out of 5

POSTED: | BY: Melodie Parola

$170 refunded for over $1100 in…

$170 refunded for over $1100 in charges. This was vaccines, bloodwork prior to dental (his first ever, no major issues), and the cleaning itself. Not at all worth it.
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1

out of 5

POSTED: | BY: Amz Prm

The money that ASPCA gets in donations…

The money that ASPCA gets in donations 46% of that money goes to payroll for the CEO and the employees the CEO makes over $1 million dollars a year with several employees making over $100,000 a year not much of the money reaches any animals it's all going in the pockets of greedy people
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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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