ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,057

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: Terry Edelman

The staff has always been helpful on…

The staff has always been helpful on the phone and setting up my new kitten account went smoothly.
5

out of 5

POSTED: | BY: Lazarick Ballard

Saved the animals

I love the company you guys have made it’s starving animals all over the states and it’s to get them healthy enough to be adopted. I have an aunt Mary who donated to these companies all the time she’s a hall I love her too she will do whatever for the community humans or animals. I see those animals on television all the time wondering who would abuse an animal hoping to see them well again because we all need them.
5

out of 5

POSTED: | BY: Angie Clowdus

Personalized and caring assistance

Timely review and processing of our pet claims. Additionally, over the years when had we lost our beloved Griffin & Dax, ASPCA provided support with cremation services as well as heartfelt condolences thru sympathy cards. Meant a lot. ❤️🐾
3

out of 5

POSTED: | BY: EP ID

When they get it wrong it's on you

Most of the time, I'm happy. But... the website is clunky and makes filing claims more trouble than it needs to be. Second, they sometimes ask for more information on a claim, saying the required information is not present on the invoice submitted. When, in fact, it is. I don't know if humans or computers are missing the details, but I submit invoices in the exact same format from the same provider and they just sometimes can't find what they need. (P.S. They will not tell you exactly what they need. It's a guessing game.) When you contact them using the contact method they provide, you get no response. Wait another 10+ days and they will automatically deny your claim, meaning you get to start over. (It is also a guessing game when they deny a claim, as they just tell you to read your policy.) So, their website is sorely in need of modernization and their customer service is... well, it's piss-poor. Piss. Poor.
5

out of 5

POSTED: | BY: April G

Easy to use

Easy to use, claims are quick so long as proper invoice and records are provided and the treatment is covered in your plan. Really helpful in emergency cases

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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