ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,191

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: Connie Beard

I have been highly disappointed with…

I have been highly disappointed with the lack of coverage that’s offered. For the monthly fees, you really don’t receive reimbursement for any claim. Also, before I joined there was no access to what the reimbursement amount was for the wellness shots. I finally was provided this list yesterday. Well, it fell very short from what my Vet charges. So between the deductible, only covering a set amount personally I don’t think it is worth the cost. I have always supported the ASPCA and what wonderful work they do, but their insurance coverage is not worth the money! I will be canceling my policies immediately!
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5

out of 5

POSTED: | BY: Shane

Filing my claim was very simple and…

Filing my claim was very simple and proficient services were straightforward explanations and details were very clear overall The experience so far has been great.
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5

out of 5

POSTED: | BY: Stephen Dittmer

It works as advertised for the claims i…

It works as advertised for the claims i have made They are fast and efficient turn around times
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5

out of 5

POSTED: | BY: Jenifer Youd

Easy to submit claims

Easy to submit claims, the check came pretty quick.
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5

out of 5

POSTED: | BY: Preston Way

Easy to chat with representatives and…

Easy to chat with representatives and start coverage
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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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