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: Judy handley

I have been denied coverage for my…

I have been denied coverage for my ninemonth old golden retriever because in August she had Giardia, which caused diarrhea, and she was treated for that. Then in October, she had diarrhea again and it was because of a food allergy. She was treated for that, and we have solved the problem. The reason they give for not covering this is that they claim her diarrhea is a pre-existing condition. I don’t understand how this is a pre-existing condition when it is too completely different situations. I also submitted a claim for conjunctivitis which was cured, and there has been absolutely no response to that. The claim was submitted in October. I am very unhappy with this insurance. Please don’t tell me to call the number because I have spent hours on the phone with that number to no avail
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5

out of 5

POSTED: | BY: Kelly Woodcock

She was an amazing and she helped me so…

She was an amazing and she helped me so much
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5

out of 5

POSTED: | BY: Suzanne Lamoureaux

Great company and coverage

Great company and coverage
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5

out of 5

POSTED: | BY: Sharon

Dr Ben

Dr. Ben is a great doctor and so is his assistant.
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5

out of 5

POSTED: | BY: Janet Avelar

I love that you give us 90% of what we…

I love that you give us 90% of what we spend. I would like to say this, I take my cats to the vet a lot due to their age and health issues. I have maxed out over 10,000 on insurance in less than a year. It would be great if you had unlimited, even if we have to pay a bit more amonth for insurance but unlimited would be great for all of us who have fur babies because anything can happen.
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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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