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: Dorothy Carlton

I just canceled this policy

I just canceled this policy, in the beginning it was ok then as it went along they took longer and longer to pay the claim. They never took long to take the premium out of my bank. The last 3 yrs. They have gone up at least 10.00, they said because he is getting older. He is 8 yrs old and not sick. All they paid in claims this last yr was 265.00, not much in my opinion seeing as how I paid 60.04 monthly. I really thought it would help but there is a 404.00 claim now that they have put me off now for a month because they are overly busy. BS I say.
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4

out of 5

POSTED: | BY: Mark Long

Easy to apply

Easy to apply, good information, a little difficult to figure out what was/wasn't covered, but figured it out with time. Very good experience.
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5

out of 5

POSTED: | BY: David

Easy to use and navigate

Easy to use and navigate
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5

out of 5

POSTED: | BY: Patrick Davis

Gaining insurance with the ASPCA was…

Gaining insurance with the ASPCA was very transparent and the coverage was very detailed.
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5

out of 5

POSTED: | BY: Eric Lee, Sr

application process

The use of the application process
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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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