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: Kalene

The ASPCA Website Is Misleading

The ASPCA website is quite misleading. While it clearly explains reimbursements for complete coverage, it is not clear about preventative coverage. I submitted my vet bill expecting to be reimbursed 90%, but instead, I only received 20%. My $95 monthly payments ended up equalling the 20% reimbursement I got back, so I essentially received no reimbursement at all! I didn't want to leave a negative review for ASPCA, so I tried contacting their customer service to resolve the issue, but I never got a response. I am very disappointed with this pet insurance.
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5

out of 5

POSTED: | BY: Josbriela Castro

Great rates for the coverage

Great rates for the coverage, and they don't take long to process the claims.
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5

out of 5

POSTED: | BY: Lauren Beckmann

Very user friendly app to use with…

Very user friendly app to use with claims and all knowledge resources available on App; able to see status of claims and processing!
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4

out of 5

POSTED: | BY: Maise and Juice

Good website and ease in submitting…

Good website and ease in submitting claims. My only gripe are the delays in their processing claims.
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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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