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.
3

out of 5

POSTED: | BY: Mark Guenther

Often

Often, I find that when I submit vet bills for reimbursement, the condition in which my pet was treated for isn't eligible for reimbursement because they qualify it under a pre-existing condition, when the issue is an isolated incident. Additionally, I have an annual deductible with this insurance, and not once have I ever met the deductible (it's 100 dollars), yet many of my pets vet bills exceed the 100 dollar out of pocket deductible. I've considered cancelling this insurance multiple times. If you are looking for pet insurance, go elsewhere.
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5

out of 5

POSTED: | BY: Raluca Herbert

Thank you for being great!

Thank you for being great!
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5

out of 5

POSTED: | BY: Deborah

Great Insurance

I have always had the answers to any questions on the ins My bills have always been paid in a timely fashion.
5

out of 5

POSTED: | BY: Brandon Gardner

Great service

Great service, very helpful staff and friendly.
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5

out of 5

POSTED: | BY: Cindy

I Appreciate being able to have Pet Insurance!

I got a call from Shelley wondering about the insurance - Shelley is a Wonderful person and perfect for her job. I Appreciated all her help and would call her with a question Anytime!!
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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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