ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,062

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: Charlotte Malone

It’s so simple!

ASPCA Pet Health Insurance made it so easy to submit a claim. I was refunded in a timely manner and customer service followed up shortly after to check in on my dog after her brief illness.
5

out of 5

POSTED: | BY: Kelly

Caring Company

I really appreciate how easy it is to submit my claims, and how caring the employees are. Every time my dog has several visits someone calls to ask me how he’s doing and answers any questions I may have, which I really appreciate.
1

out of 5

POSTED: | BY: Amy

Bullied and Threatened by Agent/Underwriter

Let me you about my experience as a loyal ASPCA Pet Health Insurance policy for 11 YEARS. I was just bullied and threatened by an agent/underwriter. I called asking about coverage benefits for my dog "who is 11, pushing 12, and not getting around as well as normal.” I was told that my dog would have a preexisting condition and therefore ineligible for alternative care. I asked what preexisting condition. The AGENT - NOT the VET - then diagnosed my dog as "arthritic." I countered and said that the dog has NEVER EVEN been seen for ARTHRITIS. The agent/underwriter then made a threatening statement and said that I had admitted my dog wasn't moving around as fast as normal and that the underwriters will review this phone call and any veterinary notes. If there is one mention of "arthritis" she told me the animal will not qualify for a comprehensive plan that covers alternative therapy. What a rip. And to think I've actually recommended this corporate, monster machine (that preys on the emotions of pet owners) to others. NEVER. AGAIN. ASPCA, I hope your'e recording.
1

out of 5

POSTED: | BY: Karen Dawson

Coverage poorly conveyed; spay was not covered.

I specifically got this insurance because I noticed that Spay was a covered surgery. I just had my dog spayed, with costs for complications, and called for another reason, only to discover the spay was NOT covered. I was under the impression it was covered under my current plan....the specific reason for using this insurance. I'm really not satisfied to have a policy that piecemeals these types of costs. Somewhere along the line, information was not accurately conveyed. Not a happy camper and may not stay with this insurance.
1

out of 5

POSTED: | BY: Amy Hamman

Threatened and Bullied by Agent/Underwriter

Let me you about my experience as a loyal ASPCA Pet Health Insurance policy for 11 YEARS. I was just bullied and threatened by an agent/underwrite. I called asking about coverage benefits for my dog "who is 11, pushing 12, and not getting around as well as normal" I was told that my dog would have a preexisting condition and therefore ineligible for alternative care. I asked what preexisting condition. The AGENT - NOT the VET - then diagnosed my dog as "arthritic." I countered and said that the dog has NEVER EVEN been seen for ARTHRITIS. The agent/underwriter then made a threatening statement and said that I had admitted my dog wasn't moving around as fast as normal and that the underwriters will review this phone call and any veterinary notes. If there is one mention of "arthritis" she told me the animal will not qualify for a comprehensive plan that covers alternative therapy. What a rip. And to think I've actually recommended this corporate, monster machine (that preys on the emotions of pet owners) to others. NEVER. AGAIN. ASPCA, I hope your'e recording.

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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