ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,250

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.
5

out of 5

POSTED: | BY: Theresa Piccola

I have had a completely positive…

I have had completely positive experiences with ASPCA both with the comprehensive coverage I have been receiving and also with my experiences with customer support. Betsy a customer service representative has been a great support to me on several occasions. As well as all customer service representative have been to this point quite supportive, knowledgeable and understanding of my needs. My dog unfortunately has chronic conditions and without ASPCA Pet Insurance I would never be able to give him the proper care he needs. I am so satisfied with my decision to choose ASPCA after hours of researching other companies. I have also recommended ASPCA to family and friends who have chosen ASPCA. I hope the great service continues.
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3

out of 5

POSTED: | BY: for your orderkim

Customer service

I did not like the fact that you canceled so quickly. And that you cannot reinstate. I had to start all over again and have a waiting period the first lady I spoke to was no help at all. And then a gentleman did help me.But i'm not happy with your service and i'm shopping
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1

out of 5

POSTED: | BY: Lindsey

Stay away from this company and their…

Stay away from this company and their insurance. They claim to cover a lot of things but when it comes down to needing to use the coverage they will do everything in their power to say the condition was pre existing. Premiums continually raise and the amount they will pay out lowers. Do not use!
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5

out of 5

POSTED: | BY: Susan R Scott

Great help

Great help, fast reimbursement and good coverage options. Customer service always helpful.
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4

out of 5

POSTED: | BY: Edward Weber

Quick timely claims and reimbursements.

Quick timely claims and reimbursements.
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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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