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: Kat

Overpriced, misleadingly-presented coverage, and terrible customer service

We had the preventative basic plan because the vast majority of what we need for our pet is preventative care. Turns out, effectively nothing we do (e.g., vaccines, preventative flea/tick meds, etc.) are actually covered. Beyond that, the premium we've paid annually would have barely been less than what we would have just paid out-of-pocket for the services themselves. In summary, the coverage is presented misleadingly, the prices are astronomical for what is covered, and customer service has been no help at all. We cancelled coverage, and even if we ever want pet insurance again, we'll never consider ASPCA Pet Insurance again. Buyer be warned.
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1

out of 5

POSTED: | BY: Katrina Nissley

I have submitted several claims now

I have submitted several claims now, only one has been partially accepted. From what I’m paying my dogs neuter should have been covered but I’m being told it’s not. Why pay for this insurance when nothing is actually accepted to be covered. Vaccines are part of routine care should be covered, but they were not as well. And now I can’t figure out how to cancel my policy.
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5

out of 5

POSTED: | BY: Kamilah Keyes-Brown

Swift to enroll

Swift to enroll, inexpensive, and excited to have insurance my my baby girl. Peace of mind.
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5

out of 5

POSTED: | BY: John Harper

Very easy to get our dog enrolled

Very easy to get our dog enrolled, and great coverage for a reasonable price.
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5

out of 5

POSTED: | BY: Janice Reid

So far I have only signed up

So far I have only signed up. I don’t have any comment regarding the insurance repayment/claims process yet.
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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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