ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: CWL

Everyone has a genuine desire to be helpful…

Everyone has a genuine desire to be helpful. Cheerful and professional
5

out of 5

POSTED: | BY: Adrienne

Processing claims

I enjoy the easiness if filing a claim and having access to customer support. The rates are very competitive and easy on the budget. My only issue is when filing a claim and checking the status, it tells you if the claim is still processing, denied,etc. I would like an email message or message on the screen that tells you how far along the claim is in process. It took almost six weeks for my claim to be complete. Done feedback throughout the process would be greatly appreciated.
1

out of 5

POSTED: | BY: Christine

Poor service

I submitted a claim a month ago. I get told there is a "backlog", and have to wait 4-6 weeks, tho they tell you in ad 4-5 days. I can understand maybe 10 days, but not this long. I pay my premiums faithfully, but ASPCAis very unprofessional on their end. And by the way, I found out ASPCA does not provide the insurance. Another company pays them to use their name. My roommate and I have now stopped sending donations to ASPCA, not knowing now, if they even have been getting it, or what. They use to have my utmost respect, now they are at the bottom with others $ scavengers.
5

out of 5

POSTED: | BY: William Barron

Getting coverage was fast and easy.

Getting coverage was fast and easy.
1

out of 5

POSTED: | BY: Jimmy Lucchetti Sr.

We give 0 stars

We give 0 stars. We had 3 cats on your insurance. We had just insured our 3rd kitten and she got sick before the grace period ended and we did not officially pursue reimbursement. She was diagnosed with an infection, treated and recovered. In September, she got sick again, was treated, sent home and brought back the next day because she was weaker. She was referred to another vet, but was never diagnosed with anything because she was too weak to be tested. We agreed to extra treatment and tried to save her because we "had" insurance. Reimbursement was denied because of a pre existing condition? How do we know??? She was never tested for anything and the first issue was an infection...not a disease. How would you know that? We did not pursue reimbursement in March. This was over $4500. We feel very ripped off.

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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