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.
1

out of 5

POSTED: | BY: Chris

DO NOT BUY THIS INSURANCE

If you are considering this insurance, please shop elsewhere. I had a supervisor named Katie laugh on the line at my disgust because they are not covering my dog’s hernia surgery based on something that was vaguely written in the policy that they utilized to deny me. I’ve spent $100 a month for two years and when I finally need insurance, they are not there to help. They will do the same to you. It is a disgrace that people who are supposed to care about animals could be so immoral. Please shop elsewhere. Personally, I wouldn’t even bother with pet insurance because it’s a scam!
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5

out of 5

POSTED: | BY: Nora Bocchino

easy to do claims

very quick on claims excellent insurance for our dog
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5

out of 5

POSTED: | BY: Arelis Nunez

ASPCA First Timer

I appreciate the quick and easy processing of my Canine Child's medical insurance claim.
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5

out of 5

POSTED: | BY: Darlene H Hedrick

Quick response to claims

Quick response to claims
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2

out of 5

POSTED: | BY: Terry Haines

I found it very difficult to file a…

I found it very difficult to file a claim. I wanted to mail it because I don’t have a computer. I had to have a friend take it home and file all my vet visits. They even hung up on me when she was talking with me. But I have to say after allot of stress they paid most of the bills after meeting my deductible. My dog was a rescue and they wanted all medical records before I rescued him. I sent what I had which was not easy to get. I thought about cancelling but I will wait and see how it goes with my next claim.
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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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