ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,939

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: Shawna Houseman

company is truly a scam…

This insurance company is truly a scam when it comes to paying out. If it’s routine there’s not a problem. However don’t waste your time, energy, or money on any other plans. They will lie about contacting the vet office, lie about attaching files, lie about calling you back, and lie about what they need. I have been fighting this company for almost two months for insurance I pay for. If I’d just put everything I pay for this in an account I’d have had better luck. The last contact was being promised by a supervisor that multiple people would be written up for lying to a customer and not doing their jobs only to once again have the supervisor lie to us and again not reopen a claim that they had all the information on in the first place. Don’t waste your money. I’ve already sent in complaints to the better business bureau. It’s disappointing that they offer to help and just leave you in a worse spot with more stress when you animal has injuries .
2

out of 5

POSTED: | BY: Kay Bee

Lack of Communication is a Problem

I am a newer customer. After reading reviews and comparing plans, we went with the ASPCA plan. We just filed our first claim. I cannot believe what a hassle it was. We uploaded all the paperwork. It turns out, ASPCA insurance was calling our vet's office, hounding them for the paperwork I uploaded. So, I uploaded the paperwork again, and again. I emailed them once, and then twice, and then a third time. there is no phone number to contact them. My veterinarian contacted me, VERY angry, to ask me to stop the insurer from HOUNDING them for the paperwork that was ALREADY given to them! Now my vet's office is threatening to drop ME as a client for the incessant harassment from the ASPCA Insurer. And again, there is no number to call to talk to a HUMAN. They did not even reply to my many emails asking specifically WHAT was needed, so I was left guessing. My vet's office said that they recommend Trupanion specifically because of frequent issues like this with ASPCA. Based on this, I cannot recommend this insurer. I wish I had known about their very poor service before we signed up, and I will be researching insurers for the future with better service.
5

out of 5

POSTED: | BY: Elizabeth Marshall

User friendly app and review process

Easy to use app - information saved re: vet/ pet hospital in a drop down bar which saves time; easy to attach files. Email received immediately after claim is submitted so you know it’s been received. Easy to follow progress of claim review on app, which is nice to follow. Time from submission of claim to reimbursement is quite timely, often much more speedy than predicted review time. Reimbursement to an account is seamless and timely.
1

out of 5

POSTED: | BY: TracyA

I do not recommend for Pet Insurance

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.
1

out of 5

POSTED: | BY: Amber Castro

I filed a total of 14 claims

I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!

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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