ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,899

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: Jenny Huizinga

Overly Complicated Claims process and bad Communication

I have had nothing but trouble with ASPCA. Their communication is poor, their customer service line cannot seem to get it straight was is needed and they do not communicate back to try to resolve an issue. They also say that they have reached out about medical history, but that is not the case. I am so far very unimpressed with ASPCA Pet Insurance
1

out of 5

POSTED: | BY: Brad Warren

Company needs major improvement

While I have had some good claims go through, the most recent one was handled extremely poorly. They will dig through your pet's medical history until they find something they can latch on to and call a preexisting condition. This time it was - VOMITING. Vomiting as a pre-existing condition? That is a symptom of literally everything. When you call and ask for explanations, they can barely speak English let alone explain the reasons why your claim is denied. They will not look at the claim again, just tell you to dispute the claim. I will try but I'm sure it will amount to nothing. As someone who works in customer service, this experience has been less than stellar. A company with ties to the ASPCA that treats its customers and pets this way is sickening. Now I'm scared to leave because my dogs are seniors and need coverage. Very disappointed. 0 stars.
5

out of 5

POSTED: | BY: Heris Rodriguez

Our little puppy had a broken leg

Our little puppy had a broken leg, when playing with other dogs at the daycare falling out of a couch, medical expenses where up to the Skyes, at the Vet Hospital we had to Apply for a credit card in order to cover the surgery costs. So, after all this I submitted the claim to the insurance and based on my pet coverage, I was able to cover at least half of the bills, which was more than I expected. I will definitely continue with ASPCA as my little one insurer provider. Thank you.
5

out of 5

POSTED: | BY: Elizabeth Roots

Put my mind at ease…

Was easy to select a plan and speak with a agent for quick coverage
1

out of 5

POSTED: | BY: kalhari hettiarachchi

I wasted my money on this insurance

I wasted my money on this insurance, higher deductibles and the claim process is lengthy and no matter how many documents you provide it never gets approved. When you contact them they ask you to send additional documents to their hartvillegroup email and nobody responds. Never again and I wouldn’t recommend it to anyone.

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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