ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,818

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: Susan

Would not recommend

I've had pet insurance on my 4 dogs for only a little overa year, and so, I had very little experience with any of the pet insurance companies. 3 of my dogs are relatively young (1,2, and 5), but my 4th dog is 13 years old. Because of that, I had trouble finding a company that would insure her (besides basic accident coverage) but PetsHealthPlan said that they would, and, so, initially, I was ecstatic. They requested her medical records, reviewed them, and then, noted one pre-existing condition -- hypothyriodism -- which is quite treatable and just requires my dog to be on medication for the rest of her life. Other than that, she was in perfect health. Well, within 2 months of obtaining the insurance, this dog came down with gastroenteritis -- a $108 vet bill, and of that, $91 was applied to my $100 deductible. So far, I was impressed with Pets Health...but also note that they had NOT paid out anything yet, but they were taking my $50 a month premium. Then, a month ago she started coughing, and after doing bloodwork and an x-ray, the vet finally diagnosed her with inhalant allergies -- a $300 vet bill. I submitted a claim and it was denied saying that allergies can result from hypothyriodism, and so it was a result of a pre-existing condition. I told my vet about this, and she said NO, skin allergies can result from hypothyriodism NOT inhalant allergies. So, now I am appealing it and they are saying "they are looking into it". Finally, about 2 weeks ago, my dog fell and slipped a disc in her back. She had a $2500 back surgery yesterday, but PetsHealth is telling me that it won't be covered because back injuries(IVDD) are common for her breed. The surgeon says that he doubts it is IVDD -- she just simply hurt her back when she fell, which should be classified as an injury. PetsHealth says it doesn't matter -- her breed is prone to back injuries, and it's not covered. I am very upset with this company now. I see how they lure clients in, though, and it is very deceiving. Their biggest point of advertisement is the fact that their plans cover "wellness care" -- routine vaccinations, heartworm tests, dental cleanings, etc. The problem with that is that those things are relatively cheap -- maybe $150 - $200 per year. Most people get pet insurance to have peace of mind that the MAJOR things will be covered -- not just the $150 routine, annual exam. In addition, when I called to see if my dog's back surgery was covered, as soon as I told the customer service representative how much the procedure was going to cost, he became very rude and attempted to end the phone call as quickly as possible. In my opinion, this company is just one big scam. Their premiums are ALOT higher than the competitors, and they won't pay for a single thing once it gets past your deductible.
5

out of 5

POSTED: | BY: Miriam

Love it!

Each time I submit a claim I am always pleasantly surprised when I get a check in the mail! So many weird unexpected things can happen. It's great peace of mind. I highly recommend it.
1

out of 5

POSTED: | BY: Robert

Read one year policy provision carefully

As an example: If your pet is diagnosed with cancer in the 10th month of the policy then all claims that continue into the renewal are not covered as they are considered a pre-existing condition. I purchased two policies on my two cats from Petshealth over 7 years ago and when cancer set in I had no (0) coverage as they invoked the pre-existing condition provision at renewal. It took us two months to organize the tratment. Once I read the policy and saw the exclusion I cancelled both policies. I hope the ASPCA realizes what they endorsed as they are a fine organization. We also had a dog insured with the same company for 5 years who was diagnosed with cancer. Fortunately his cancer condition was diagnosed at the beginning of the policy year and his treatments where covered up to the $3500 limit with deductions for reasonable and customary. He died before the policy expired. His cremation coverage for a 135 pound German Shepard was under $50. All of these incidents happened before the ASPCA endorsed the current program. Good luck.
1

out of 5

POSTED: | BY: Ed

Don't do it

It is easy to setup a policy on the website, but try to terminate a policy; it's like pulling teeth. If you e-mail them, they don't respond, when you call them, the customer service extension has a long queue. If you call and speak to the sales department they are clueless and only try to upsell you on a product you don't want to begin with. Once you get through to cancel the policy, they try to talk you out of it and tell you they are best company cause they cover more than all the others. WRONG!! If your dog is diagnosed with a hereditary illness, they will cover the loss the first time and at renewal, it will be a pre-existing condition and you won't get a dime. Pet Plan US - www.gopetplan.com offers a Guarantee for Life Policy which covers hereditary conditions and will not consider it a pre-existing condition in the future; plus great customer service!!
1

out of 5

POSTED: | BY: Heather

Don't use ASPCA!!!!!!!

I do not recommend ASPCA. They do not return my phone calls and half the time do not answer their phones. We recently sumbitted a claim that should have been covered by our plan, but they denied it for no reason. After we called to dispute, they completely changed our claim, from an injury to an illness. My dog was injured not sick! Shop around before using them!! Also, they were supposed to get back to us and they still haven't. We are canceling immediately and looking for other coverage.

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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