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.
1

out of 5

POSTED: | BY: Bruce Eaton

I signed up our dog

I signed up our dog, somehow it got put in my wife’s name. She is exceptionally busy and nit able to do the day to day and now I have no access to the account I set up and that I am paying
5

out of 5

POSTED: | BY: Dan Matsunami

Affordable plan for our furry kids

Affordable plan for our furry kids. Easy and fast to claim on the app. Claim finish and Direct deposit in bank account in 5 days to 7 days. Help us to protect our kids with none stress at all. Really happy to recommend your company to all parents
5

out of 5

POSTED: | BY: Lizzie

Excellent Service and Pet Insurance! Highly Recommend!

Consistent, efficient, timely, and excellent customer service! Highly recommend ASPCA Pet Insurance!!!
1

out of 5

POSTED: | BY: nic russo

horrible! Don’t waste your time!

Probably one of the worst insurance companies for a pet you could have. They use any sickness claim you submit and blame it on “allergies” or a “pre existing condition.” You pay monthly for no claim to be reimbursed, or applied towards your deductible. There are way better insurance companies that will treat their clients right!
1

out of 5

POSTED: | BY: Erin Holmes

Unethical, Possible Scam, Terrible Customer Service

Unethical and terrible customer service. I got my Cane Corso, Waylon, in early July of 2020, took him to his first vet appointment in late July, and purchased insurance within a couple weeks of that. So within the first month of having him he went to the vet and insurance policy had been purchased. When I took him to his initial veterinarian appointment to get established the vet gave me the run down on what to expect with this breed health wise as he was my first of this breed. In her briefing she mentioned to me something called entropion and warned it was common in this breed (along with stomach flipping and hip issues) so don't be surprised if he ends up with it even if it is mild. Over a year later in September 2021 he had surgery for entropion because he started showing signs of it, it was causing eye infections, and later was diagnosed with entropion. The surgery, medications, and recovery are a very costly process for a dog of this size. I filed the claim directly after his surgery and it was denied. I attempted to appeal and it was denied. The reason given was that his diagnosis was a preexisting condition according to the insurance due to vet records. False. Vet records mentioned that i was given a run down that entropion could be a possibility given how common it is with the breed, it was NOT a diagnosis of the condition. So they denied me, gave very short responses, and essentially was not allowed to appeal because they stated that the vet records were proof that it was preexisting. So, in a nut shell GO ELSEWHERE for your pet insurance and keep track of what your vet includes in their notes for your pet because it does matter what is mentioned to unethical insurance companies looking to get out of paying what they are supposed to.

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 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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