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: Marie Salpietro

Buyer beware

Buyer beware! We got our insurance on 10/10 and visited the vet on the 12th for a well visit for our new 7 year old rescue. At that visit the vet mentioned a couple of back molars that need attention. We sent the estimate in for review. Apparently in the fine print it states that there is a 14 day waiting period for any issues found which would be considered a preexisting condition and not covered. I asked the representative if we had waited 2 weeks if it would be covered and she stated it would likely be still considered preexisting. Sounds like a scam to me.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Pamela Kania

I received a reimbursement very quickly…

I received a reimbursement very quickly after I had entered my invoice.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Joan Green

I just signed up and have not had to…

I just signed up and have not had to use it yet.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Barbara Powell

Easy sign up

Easy sign up. Live person follow up phone call. Much less expensive than my existing equine insurance, but no mortality coverage.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Susan

Breed list too short!

Easy site to access! BUT 1 problem - the list of breeds is short and my horse isn't any of these. Shouldn't there be an "other" or fill in the blank? I picked TB because that is the closest, but still!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review