ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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.
2

out of 5

POSTED: | BY: Erica Nagy

Pre-existing condition opinions

I wouldn't say they are horrible because they have helped me through a lot of issues with my dog. The area I do not agree with is their "opinion" of pre-existing conditions. A dog that itches doesnt mean it is related to allergies. Could be mites, atopic dermatitis, a crawling insect, and so much more! When I adopted my dog he has some itchy skin. The vet did skin scrape and nothing abnormal was seen however we treated as if it was demodex and after a little while the itching resolved. Over a year later my dog developed itching so since I am in the veterinary field I chose to take him to a dermatologist. ASPCA said the "itching" was pre-existing. He was itching for a completely different reason. I appealed and the still determined it was pre-existing. Not much I can do but keep them because my dog will need another hip surgery soon and I cant go to another company because that really is pre-existing. So all in all I should have gone with another company especially since I get a discount through my job for nationwide. Aspca wont give veterinary technicians a discount unless the actually work in practice, I work on the industry side. Not entirely happy with this insurance plan.
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5

out of 5

POSTED: | BY: Pappa

How much do a dog go to the hospital, Doctor appointment and medical

I don't now right now but I do need some help to find the right one because I am on a budget so if can helps me with that it be good
5

out of 5

POSTED: | BY: Nina

satisfied very much

I have no any problem with this company, I am satisfied very much your service Thank you. Happy Holidays
5

out of 5

POSTED: | BY: Maryann

Efficient

The policy for my greyhound is very good. The cost is reasonable and the reimbursements are very fair. The wait time for claim processing is very minimal.
5

out of 5

POSTED: | BY: Sherry

THANK YOU!

I'm so glad I decided to get insurance for my Zoey. She has had a lot of problems in 7 years and ASPCA has been very helpful financial. Thank You!
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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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