4
out of 5
POSTED: | BY: Allison
Slow Claims
My only real complaint is that it takes way too long to get a claim processed.
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.
4
out of 5
POSTED: | BY: Mel
Completely Satisfied
I was completely satisfied with the service provided.
5
out of 5
POSTED: | BY: Steve
Simple as can be!
To date, I've had 2 claims for my goldendoodle puppy. Both were handled extremely efficiently and the money was directly deposited back into my account. The online submission process is quick and easy. In both cases, I received follow-up from customer service to ask if I had any questions and to see how my puppy was feeling. I cannot recommend ASPCA enough.
1
out of 5
POSTED: | BY: Joseph
ASPCA Misleads Customers
I purchased an unlimited policy for my Norwegian Forest cat after he suffered an acute kidney attack at 3 years old. I then contacted ASPCA insurance for a quote on the phone when the representative related that the kidney disease would be covered and not considered a pre existing condition as long as he did not exhibit symptoms or required treatment after 180 days. My cat was symptom free for 13 months when he unfortunately had to be hospitalized to save his life for 3 days due to kidney failure. I then submitted a claim for the emergency room costs of approximately $3,000 after I met my deductible. ASPCA processed the claim and would reimburse $0 because it’s a pre existing condition. I related my initial conversation at enrollment when they replied that the disease must be “cured” and have no treatment after 180 days. ASPCA related that since kidney disease is incurable that I cannot be reimbursed a cent. The representative did not explain to me how ASPCA defines “cured” or the list of diseases that they deem to be “incurable.” ASPCA secured my enrollment , took my money and hung me out to dry based on how they want to interpret terminology when it benefits their organization. As pet owners we will go above and beyond for the health of our animals and ASPCA will take advantage of that.
5
out of 5
POSTED: | BY: Feifei
ASPCA is the best pet insurance I have ever had.
ASPCA is so far the best pet insurance I have ever had.
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.