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.
5

out of 5

POSTED: | BY: Mark Tomoser

I have had ASPCA Pet Health Insurance…

I have had ASPCA Pet Health Insurance for over three years now and just added another rescue to my policy. The Monthly Payment is very reasonable and the payout after the deductible is met is paid quickly to me. I have had minimal expenses but it is great to know that if something were to happen my expenses will be covered. Thank you ASPCA Pet Health Insurance
5

out of 5

POSTED: | BY: Barbara Motz

the girl in billing was so nice and…

the girl in billing was so nice and helpful, she even called me back about 3 times to let me know they were going to refund some of my money for a deceased dog You guys are the best
5

out of 5

POSTED: | BY: Jeanne E McWilliams

I haven't used the health insurance…

I haven't used the health insurance very much. I just got a new puppy so I just insured her also. I had the preventive insurance for my other dog but I can't afford it for both dogs. So I am getting accident and illness health insurance for both and it is costing me less than the preventive for the one dog.
1

out of 5

POSTED: | BY: Anna

Completely unhelpful customer service…

Completely unhelpful customer service and did not solve my concern at all. I called and emailed asking why 10% was not applied for adding a second dog and all they said was that the discount was applied. I asked for an invoice detailing that discount being applied and they did not know what to do and kept saying that the discount was applied. A total scam.
1

out of 5

POSTED: | BY: Lisajd

I very disappointed in this company my…

I very disappointed in this company my one year old English bulldog ended up with aspiration pneumonia and was very sick . We took him to an animal hospital because he started vomiting on a Sunday and his vet office was closed. They kepted telling us how Expensive the bill was going to be we understood all of that told them he had insurance they were happy to know that. He had one overnight stay and had to be in an oxygen box to help with his breathing. We found comfort in knowing we had him on insurance when this happened only when I submitted everything and it was denied for us to get anything back. We was going to renew his policy but not after finding out that won't cover any of this bill!!! Update I have called them very Frustrated wondering why and the lady informed me that they needed a an invoice of every single thing and was charged. Well that was the one thing I didn't have so then I had to call the animal hospital and they sent it email to me and I emailed that to them have yet to hear if they're going to do anything with that since they claimed that was the reason they denied our claim.

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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