ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,096

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: Donna

Don't bother. It's a scam

After years of being a customer and not having problems, suddenly every claim I submitted was deemed to be a pre-existing condition. First, the consider any condition that existed before your renewal date a pre-existing condition. It is a renewal of the same policy, but now since the plan has renewed, anything your pet had even the day before the renewal is now pre-existing even though it is the same policy! My cat has asthma. They covered the diagnosis, but refused to cover the medications due to pre-existing condition. Then, everything, even if it is brand new becomes pre-existing. I took my cat in because she suddenly (read the word there, suddenly) started losing weight. Somehow that is a pre-existing condition to them, so they refused to cover it.
5

out of 5

POSTED: | BY: Stanley

Thanks for. Good service!

I have been using ASPCA pet insurance for a number if years. Both with current and prior pets. The claim process us pretty expedient! Thanks.
4

out of 5

POSTED: | BY: carlena

good insurance

fast claims process good coverage
5

out of 5

POSTED: | BY: Pat

Have been. Very pleased through 3 dogs

I always had great care with the help for the treatment of my dogs.I suggest strongly people read the coverages and understand the exceptions.There are many policies and some do not cover wellness whichI found to be very helpful.Many cover less and charge more.Take time and READ. iG3rC
5

out of 5

POSTED: | BY: jill

Amazing customer service & ease of claims is outstanding

ASPCA has been fantastic to work with. The ease of submitting claims (especially online) is wonderful, and the speed in which the money is back in my account is typically within only a few days. I highly recommend them and am so glad I am using them with Marley!

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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