ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,674

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.
4

out of 5

POSTED: | BY: Ashley T.

Just like every other company

ive been with apsca since 11/08 and i think the coverage is great. i mean they do have that sucky "reasonable costs" clause but from the comparisons ive been doing every company has the same thing. The thing that i like most is that you can add extra coverage called continuing care...(something i dont remember exactly what its called) but i got that for an extra like 9 bucks a month and that makes it so i dont have to worry about taht 180 days thing everyone keeps talking about. Maybe that would help some other people if they were to look in to that? Other than that i dont think its bad at all.
1

out of 5

POSTED: | BY: Susie Hassett

May as well not have insurance.

I have two Shih Tuz's and one had to have metal plates in his front legs and they claimed it was a hereditary condition age 1 1/2 and then the other one had a scratch on her eye which got infected and almost lost her eye and ASPCA called that hereditary age 1 1/2 so there was never any payments made even for the hospitalization that was required because they said it was boarding costs. I would definitely not buy this insurance and I have canceled after one year with $0 money ever reimbersed.
5

out of 5

POSTED: | BY: Sandrsa Tuori-Bell

very pleased with the primary plan coverage

I was very pleased with the handling of my claims and customer service under the ASPCA Primary Plan.
1

out of 5

POSTED: | BY: Linda.

Only covered 50%.

My cat had a laceration that became abcessed in May. She was hot and lethargic on a Friday night so I had to seek urgent care which was 3 times the cost of my regular vet. I submited the claims and only 50% was covered because they were based on their charts which are rediculously low and/or outdated. DONT get this insurance. Policy also states it won't cover pre-existing conditions within 90 days. I brought my cat in 6 months later for a 2nd UTI and they called it pre-existing despite the "90" days in black & white. Only interested in the money not your pet. I urge you seek another company!
5

out of 5

POSTED: | BY: Elaine Fairfield

very caring and paid out on claims in a timely man

Our dog Bailey had three operations and ASPCA Ins helped us to be able to provide the best care for our Bailey.
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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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