ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,796

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: Sandy

Unfair denial of last claim

Our last claim for NoName for over $1600 was rejected by this company for no good reason. Allegedly there was no track record for his recent illness and treatment, but we have always cared for him properly (he was a stray nearly 5 years ago, blind and neglected) taking him to several vets. We had to take him to several owing to the pandemic, and a large portion of his last visit should have been reimburse-able. We are long time clients with multiple animals and feel very much let down. We have made 2 appeals with no satisfaction.
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5

out of 5

POSTED: | BY: A. Green

Cats went to the vet Thursday

Cats went to the vet Thursday, uploaded my itemized receipts that same evening. Claim was processed and completed by Tuesday and now I'm set to receive the reimbursement. Today is 1 week from that visit and all thats left is the direct deposit. Couldn't have been easier or more straight forward and very efficient. This is awesome, thank you!
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5

out of 5

POSTED: | BY: Tiffany Volger

ASPCA

ASPCA, has been a Godsend. I have a tiny Yorkie, chihuahua and two cats so I thought pet insurance would be a good idea and I contacted ASPCA. I’ve been extremely happy with how quickly my claims are approved and paid. What’s nice is you the customer gets to choose how you want to set up your pets plan just go to their website. Our Yorkie has been having health issues so we’ve been to the vet quite often lately, so our pet insurance has been nothing but a great investment.
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5

out of 5

POSTED: | BY: Jim Naumann

Fast response time after submitting…

Fast response time after submitting claim and very fast payment credit into my checking account. Totally painless and effortless!
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5

out of 5

POSTED: | BY: Carol Francia

Got my money for Sparky’s medication…

Got my money for Sparky’s medication and trip to Cornell University Animal Hospital very quickly.
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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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