ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,864

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.
5

out of 5

POSTED: | BY: D. Rivera

Great insurance for when you need it the most

I've never had any issues with the claims I've submitted or with coverage. Claim processing times are very quick. Will keep being their client!
5

out of 5

POSTED: | BY: Julia Libert

10/10 Would Recommend

I have had two policies and I will have more in the future. I've had nothing but good experiences, both with claim payment and interactions with representatives. Filing claims is easy, they get paid promptly, but that alone isn't what has sold me on having these policies now and in the future. The difference is that the people you interact with genuinely care. You can tell. When I lost my dog to cancer, I got an e-mail condolence (and they cancelled my auto pay for me), but I got a hand-written card from someone I had spoken to one time, months before, about some bank issue I had. So getting the next policy was a no-brainer, and I have shared this information with everyone who asks me. I work in vet med, and I have a background with insurance. I can tell who cares and who doesn't. Everyone I've interacted with has been amazing, and that is hard to find. So it's a quality product and they are quality people.
5

out of 5

POSTED: | BY: Lydia Brewster

Absolutely no headaches whatsoever

This was my first time gettin g pet insurance for a pet and wanted to wait until I had to use it to write a review. Well I just had to use it and honestly I am SHOCKED at how quickly my claim was processed and how easy it was. I was prepared to jump through hoops, as we often do with insurance, but it was easier than my own health insurance. I would absolutely recommend this to anyone with a pet!
1

out of 5

POSTED: | BY: KLo

SCAM ARTISTS AND LIARS

WOW! I was really hoping this insurance company would be the right fit. THEY ARE LIARS AND SCAM ARTISTS! I called repeatedly before I bought my insurance and was told the dental cleaning would be covered. IT WAS NOT because of "pre-existing conditions" I repeatedly asked about the Pre-existing dental issues and was told it would be covered. IT WAS NOT. ALSO, when I did get reimbursed, I had my account set up for a direct deposit. When I talked to someone on the phone they said they deposited it but my bank rejected it. MY BANK NEVER RECEIVED ANY DEPOSIT AND IT WAS NOT REJECTED! THEY LIE ABOUT SENDING MONEY! THIS IS THE WORST EXPERIENCE I HAVE EVER HAD! I did talk to your "customer service" and it was an absolute joke. Unless you're willing to include pre-existing dental care LIKE YOU PROMISED WHEN I TALKED TO YOU BEFORE THE PROCEDURE, I have nothing more to say other than I will be looking for new insurance that DOES NOT SCAM CUSTOMERS. How do ya'll sleep at night? Your BS "care" is just that.
4

out of 5

POSTED: | BY: Barbara Solano

Frustrated with call takers

I have been with the company for 2 years and am so far satisfied. The only complaint I have at this time is when I have to call the company to ask a question I absolutely can not understand the person on the other end of the line, I guess to cut costs these positions have gone over seas to foreign countries. I previously was very pleased to talk to the ASPCA call takers as they obviously lived in the United States and could be very well understood. Very frustrating to try to talk to someone that cannot be understoodf.

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.

Get a quote today

Leave a review