ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,700

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: Steven Miller

Filing my claim is easy

Filing my claim using the app is extremely easy and convenient. I had my claim filed before the veterinarian brought my dog out of recovery area.
1

out of 5

POSTED: | BY: Chris

Horrible insurance

If you notice, all of the 1 star reviews are very similar to my review of this company’s “pre-existing injury” scam. They use it to cover almost every ailment and get away with covering your pet. This is a company that is supposed to love and cherish animals and look at what they are putting people through. Than they’re staff members laugh at you on the phone. They even commented on my last post saying they were interested in helping me and they still have done absolutely nothing. Please avoid this insurance if you love your pet.
5

out of 5

POSTED: | BY: Jessica S.

ASPCA- excellent insurance …

I have really been impressed with ASPCA pet insurance! It’s extremely user friendly, has great customer service and pays my claims very quickly. I have all of my pets enrolled!
5

out of 5

POSTED: | BY: Jennifer Gay

Quick and easy claims process

Quick and easy claims process
4

out of 5

POSTED: | BY: Joy Johnson

Service is fast and helpful

Service is fast and helpful. Reason for rating: Price is a bit much but overall I am satisfied with service.

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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