ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,313

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,313

Updated: November 13, 2023

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: Cheryl Barnes

Very affordable

Filing a claim was so easy and took only a few days to be completed. Very affordable. They were so kind and sympathetic when I had to put my dog to rest.
1

out of 5

POSTED: | BY: Cathie

Online submission didn't work

I tried to submit a claim, answered every question, and uploaded the required documents. The system wouldn't allow me to "submit." I cannot contact anyone for help since it's the weekend. Why am I paying a monthly fee for nothing? There wasn't even an email link that worked so I could ask someone to contact me on Monday.
3

out of 5

POSTED: | BY: customer

Probably my last year with this insurance

As far as filling out claims and getting them paid, I would give 5 stars; for raising my annual premium almost $200 without giving me ANY notice...just hitting my credit card for the amount at 3 a.m.....I give them 0 stars. This is NOT a way to treat a customer!!! Had I known the premium was going up that much, I would've shopped around for new insurance. I suspect that's why I got no notification. NOT a happy customer.
5

out of 5

POSTED: | BY: Eric McMillin

ASCPA delivered 100%

a couple of years after purchasing insurance from ASCPA, Sam was diagnosed the cancer. ASCPA paid every claim up to the limits of the policy and filing was as easy as scanning invoice and attaching it to short online claim form. They renewed during treatments with no repercussions. So glad I purchased the insurance.
2

out of 5

POSTED: | BY: Tracy Chou

Claiming me not having records from 2021 when I was with them since 2017.

I have been with ASPCA since 2017 and was generally fine with them even though they tried to increase their price once in a while. However, just for this month, one of my cats got dental issue and had teeth extracted. I submitted a claim about it and ASPCA asked me for his medical records from 3/6/2021 to present. My vet had sent them records from April 2021 to present since that was when I started using this vet and I just did not go to any vet in March 2021. ASPCA still have the “action needed” warning on. When I called them, they said the just still need some record from that one missing month, which just literally nothing happened at that time since my cat was healthy and it was during COVID. And the reason they gave me was they need to make sure that my cat didn’t have dental issues before I started the plan with them, which as I mentioned at the very beginning, I have been with ASPCA since 2017! No matter what comes out during 2021, it should still be AFTER I got their plan! I’ll see what happens after today and if they don’t reimburse due to this dumb “you couldn’t show your cat had no dental issue before using our plan” reason, I will come update this post into a shorter version with one star and ask people to run from them.

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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