5
out of 5
POSTED: | BY: Ali Zeren
Great product!
Great site. Responsive company.
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,095
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: Brenda Bailey
Absolutely love this insurance carrier!
Absolutely love this insurance carrier! I have nothing but wonderful things to say about APSCA. My dog has been suffering from chronic diarrhea (with blood) About a month or so after I signed up for the plan and I've been in/out of the vet seeking answers/treatment for her. She seems to be doing better as long as she's on the metronidazole (antibiotics) 3x a day along with a high end probiotic and prescription food. As soon as I try to lower the antibiotic dose, she ends up with the diarrhea again, so she she's basically been on this antibiotic for 3 months while having x-rays, ultrasound and upper/lower GI scope in hopes to find the underlying cause of the chronic diarrhea. If only you could imagine the stress that I've been dealing with these last few months (not knowing why or what is causing this problem, but also knowing my baby is in some sort of discomfort). At the same time, I am truly thankful for the amount of coverage (saved me a lot of money) that the ASPCA has helped me & my fur-baby. In addition to actual coverage, I must say that their customer service is amazing too! Shelly (customer service rep) Called to check in with me to see how my dog was doing due to the claims that I had been submitting and she was very genuine and showed a great deal of sympathy for what my dog was going through. I even received a card wishing my dog well!
My only complaint would be, having issues setting up direct deposit via the App. Since I had Shelly on the line and addressed the direct deposit issue, she offered to manually enter my account information on her end for me ( and it worked because my next claim was direct deposited into my account). Since Shelly activated the direct deposit for me, I have been getting the direct deposit within 24-48 hours after my claim(s) are completed.
From my point of view, I believe whatever negative feedback that you see on here about coverage is due to pre-existing conditions and that some folks are just upset that ASPCA won't cover it. It clearly states if your animal has been seen in the past for this problem...it is considered "pre-existing!"
When I first started submitting my claims, I noticed it took several weeks along with another 2 weeks before i would get a reimbursement check. Although, I noticed the last few claims they are being processed a lot quicker (4-5 days & 24-48 hrs after for the direct deposit). I'm assuming that since they can see the previous claims and the history with my dogs chronic diarrhea that maybe it makes the process easier for them?!
As far as moving forward with ASPCA... As long as my annual premium doesn't go up tremendously, I plan on remaining a customer of ASPCA forever! Again, I am HIGHLY impressed with their service and couldn't be more happier with my pick of insurance (I'm sure you won't be either!).
I will continue to recommend ASPCA insurance to anyone that has a pet(s)!
5
out of 5
POSTED: | BY: Melissa
Overall good service; sometimes takes awhile for reimbursement. Getting better.
Overall good service. Glad I have pet insurance. Pets are just like having kids; they need their check ups and sometimes don't feel well. Having it us a must.
5
out of 5
POSTED: | BY: Raymond
Very inpressed
Couldn’t be happier with the quality and service from ASPCA.
5
out of 5
POSTED: | BY: Owen
The best pet insurance
The best pet insurance @@
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.