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.
1

out of 5

POSTED: | BY: Amanda R

Useless customer service

Useless customer service. I pay for the preventative care on top of the accident /illness. Had a claim processed just fine a couple months ago. Had to have dental for my pet due to some gum issues which should have counted. I should’ve at least gotten $100 toward a cleaning at the with the preventative coverage. Whole claim was denied outright because I couldn’t produce medical records from YEARS before I got my pet. Calling customer service just got me a headache of a man who couldn’t remember the species of my pet or my name AND kept repeating the same reasoning over and over again despite any answer I gave him. Save your time and money.
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2

out of 5

POSTED: | BY: David Banes

Slow to process claims

Service is slow and getting slower.It used to be excellent but their people are incompetent and can’t understand or communicate.Dont go with them,find others that actually have American speaking representation.My schnauzer had bladder stones early on so I am trapped and can’t switch because that is now considered a preexisting condition.I could go somewhere else but she wouldn’t be covered with bladder stone issues.Sort of a catch 22 for us
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5

out of 5

POSTED: | BY: Yajaira Rodriguez

I’ve had this insurance for years and I…

I’ve had this insurance for years and I always receive hassle free coverage and excellent response times
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1

out of 5

POSTED: | BY: Mel B

Close my account!

I called in and tried to change my email and was told I had to do it online. But I needed my email address to login. I finally got someone on the phone who changed it for me. Then I tried to submit claims. Good luck! All the hassle to get a $50 check with all the claims I submitted after a year. Not worth all the hassle. Plz close my account.
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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 Insurance detail
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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