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.
2

out of 5

POSTED: | BY: G Anderson

Updated - They do not pay what they say they will pay.

Update: They have been in contact with me and have paid a little more and tried to explain their reasoning - adding a star for customer service there. I am waiting for results of another claim that I have in before any more star changes. Original: I filed an estimate for some procedures and they replied they were going to cover about 75%. After the actual procedure was done and claim was submitted, they said they were going to only pay about 10%. After my vet called and spoke with them, they re-evaluated and decided they would pay about 15%. They will not be getting any more of my money each month if they are going to lie and not provide the service they promise. Do not believe them when you submit an estimate to them.
5

out of 5

POSTED: | BY: Amy

Thank for being there for my sweet Nicky.

All your phone people were always kind & knowledgeable. You helped with the care of our Nicky for many years. You also paid promptly & fairly. I would highly recommend you .
1

out of 5

POSTED: | BY: Anthony Micieli

Warning,warning,warning,stay away from…

Warning,warning,warning,stay away from this company! ASPCA ( United States fire insurance) work very hard to not pay your claim .
5

out of 5

POSTED: | BY: Joanne

Always there to help with any question I have. Torra was a big help today-

I have had this insurance since 2006 when I had 1 pup- Now I have three pups and I am confident they are well taken care of with ASPCA. I never had a problem with a claim and always got reimbersed in a short time.
1

out of 5

POSTED: | BY: Jovvanie Rodriguez

Lost finished quote

I made a new quote and my payment went through but, it's gone and I don't have access. I was on thank you page, received an email for my payment. On the Thank you page I was trying to sign up as a member but, but it would not work, so I refreshed the page. Refreshing the page removed all that information and took me to a checkout page. I already finished my quote but, it's gone now? This is frustrating, I spent 20 minutes trying to get back to the page, but it still takes me to the checkout page. Edit: After reaching out, I successfully got the account set up. Great support team

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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