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: Vicki Wilson

not worth the cost

They Auto Renewed my 2 dogs' policies with a 38% increase! They haven't covered most costs since I started policies stating pre-existing conditions. They give the reason that it was in the 14 day waiting period, when it was way past the 14 days. The amount they pay for preventation and yearly exams are not even close to what the costs are where I live. In addition, there was a period where they were taking an extraordinary amount of time to process. All in all I would not recommend them. Of course, they have me over the barrel since to cancel and get insurance elsewhere would be starting over again. Pet insurance is a total scam!
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2

out of 5

POSTED: | BY: Alicia Coleman

Communication is horrible

Communication is horrible. I have no idea if my pet is even ok to go to the vet because i sent over her records so nothing can be "pre existing" when they never asked for records in the first place. I sent them to a different email they provided. Never got back to me or responded to my emails
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5

out of 5

POSTED: | BY: RAYMOND

Best Insurance for pet dogs

LOOKING FOR COVERAGE FOR MY DOG
5

out of 5

POSTED: | BY: Dale

Pets claim made easy

Cover my pet as the policy aloud, Payment back was rater quick a b d deposited to my bank 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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