4
out of 5
POSTED: | BY: Diane
Love the staff at ASPCA
I love the staff at ASPCA - I would really love it if you could raise your reasonable and customary charges for a few items.
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.
1
out of 5
POSTED: | BY: Allison
Useless/ Waste of money
Useless/ Waste of money. I have had this insurance for all 3 of my pets for a few years now. I bought it in college and have kept it in my early career because I cannot afford an expensive incident with any of my animals. My dog suffered a bite wound to the chest and I finally needed to use ASPCA. I have illness and injury coverage and this was clearly an injury. He required surgery and several follow up appointments, tube insertion and removal, staple insertion and removal, bandaging and bandage changing, and the total cost reached $1500. I felt comfort in providing my credit card each time as I followed each appt by going home and submitting each claim. I now checked my account to see that $515 of his care was considered covered. My deductible is $500, with a copy of 30%, meaning that I am expecting to receive $10 from ASPCA. The “covered” charges are suspiciously close to my deductible and I am genuinely curious what would have been approved if I had submitted each receipt separately. I am going to debate it and consult my lawyer friend. It is ridiculous, unreasonable, and I wish I would have just saved my monthly payments instead of paying into this insurance plan.
5
out of 5
POSTED: | BY: Mikaela
They really care!
This pet insurance is a life saver!! My cat started having major issues the past month and it has really saved me getting reimbursed. And they even called me just to ask how he was doing! That's amazing customer service!
5
out of 5
POSTED: | BY: Sylvia
Mufasa and Emma(kitties) have had great experience with ASPCA insurers -efficient and caring
I appreciated the claims departments full explanation of M & E's coverage and made me feel as though they really take their jobs seriously. Each rep has been courteous and caring.
5
out of 5
POSTED: | BY: Ed
Excellent Service with quick payment
This is the second time I have used my ASPCA insurance for Flounder. The first time he developed Pneumonia and more recently a serious problem with his nostril. In both instances, the insurance claim was easy to submit, processed in a timely manner, and paid promptly. I couldn't be more pleased with the service.
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.