ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,170

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: Esther Lopez

Great customer service

Customer service helped to walk me through the process of filling a claim. I was grateful for the help and now will wait for my reimbursement.
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1

out of 5

POSTED: | BY: graceypacey

Terrible Customer Service & Claim Processors. Once Resolved I'm going to look into going back to Lemonade.

I have submitted two claims. One was successfully approved and applied to the deductible. A second claim was closed without my consent and noted that it was my request. A third claim was made from the medical history they requested and denied. I resubmitted a claim and asked that they prioritize it due to resetting the SLA by closing my original claim. They just replied again, which I would like to close. At this point, I have to believe they are using A.I need to answer emails and resolve claims. I simply want the last claim I submitted resolved so that I can move on in finding a different insurance for my pet. Having moved from Lemonade Pet insurance to save cost, I can now confirm it was not worth the switch. Advise to ASCPA: Use real humans. If you are using humans, please retrain them both on phones, emails, and claims. As someone who works in insurance claims, this experience was horrendous. If you do not have a quality assurance team, please note you need to invest in one or continue to lose members. Please resolve my claim ASAP.
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1

out of 5

POSTED: | BY: Jessica Wade

Looking into different insurance companies

I will be searching for different insurance companies after this experience. I submitted a claim on March 2nd, submitted all the paperwork, it kept getting denied because they lost my vets notes, so 3 months later of going back and forth with them, they finally “found them” all of a sudden, just for them to deny my claim again, I submitted an appeal but just found out I was given the wrong email so I have to call back AGAIN, and was told the appeal will take another 30-60 days, mind you, I have been dealing with this for 3 months now. I pay quite a bit of money a month for this insurance just for them to give me a headache and not want to pay a single penny of any of my dogs vet bill. By the time this is all done we’re looking at 5 months to get a claim processed.
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5

out of 5

POSTED: | BY: customer

Quick easy claim process

Quick easy claim process
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1

out of 5

POSTED: | BY: Cara Varnell

Customer service is understaffed and terrible

I have had ASPCA insurance for quite a while...this pet and my first pet. I have been basically happy with them because i did not need live customer service/support. Today I call with a simple question, which should have been answered on the website but is not. I was on hold for 15 minutes, then cut off. Called back and waited another 10 minutes only to get someone whose English is spotty and who could not help me. I am angry because it has been a wasted morning. I pay a lot of money for this service and I am wondering about the value. Unless the customer service improves I will no longer recommend this company and will have to look elsewhere for insurance for my pup. All I ask is that someone who knows something answers the phone in a timely manner.
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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.

Provider website

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.

Provider website

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