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: Rob H

I pay my insurance on time, how about living up to what is agreed take my deductible and pay me

It’s ridiculous, I have two Shitzu, I pay $200 a month for pet insurance from ASPCA. The veterinarian submitted three claims for Bella along with the receipt from the vet itemized. So I don’t understand what information they are looking for. To me they just don’t want to pay and it’s ridiculous and if I don’t get paid, I’m going to stop using ASPCA PET insurance AND THEN I’M GOING TO TAKE THEM TO SMALL CLAIMS COURT TO AT LEAST GET MY MONEY BACK FOR EVERY MONTH OF SERVICE THAT I DID NOT RECEIVE WHICH IS FROM THE BEGINNING.
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5

out of 5

POSTED: | BY: Katelyn Anderson

Simple

Simple, easy, my dog is covered now and a decent prive
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5

out of 5

POSTED: | BY: ECKEL/MARYBRIGETTE VELASCO

Customer service rep was easy to work…

Customer service rep was easy to work with. We went through the whole process with ease.
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1

out of 5

POSTED: | BY: Olivia Heunis

Straightforward injury claim denied

I am on my second year of Accident + Colic Coverage on my 4 horses, and recently added Complete/Accident + Illness on my 2 cats as well. This is my very first claim. My horse recently sustained bone trauma that unfortunately caused a portion of the coffin bone to became devitalized and turn into a sequestrum. Super straightforward accident/injury, right? Wrong, apparently. My small claim for radiographs and antibiotics was denied, since apparently"no eligible accident took place." A different claim on my cat (extraction of several teeth with resorptive lesions) was denied because she previously had lesions on a DIFFERENT tooth (which was removed/cured), FOUR YEARS AGO. Apparently damage to one tooth (even if that tooth is removed) counts as a pre-existing condition on other, previously healthy teeth... Make it make sense. This claim also took over a month to process and included the company repeatedly asking me for my cat's vet records - from my EQUINE vet. Garbage customer service, garbage insurance. I will NOT be renewing coverage and I will be warning every pet and horse owner I know to stay far, far away.
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5

out of 5

POSTED: | BY: ally g.

10/10

easy to access and great/affordable coverage
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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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