ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,131

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.
2

out of 5

POSTED: | BY: Tracy Chou

Claiming me not having records from 2021 when I was with them since 2017.

I have been with ASPCA since 2017 and was generally fine with them even though they tried to increase their price once in a while. However, just for this month, one of my cats got dental issue and had teeth extracted. I submitted a claim about it and ASPCA asked me for his medical records from 3/6/2021 to present. My vet had sent them records from April 2021 to present since that was when I started using this vet and I just did not go to any vet in March 2021. ASPCA still have the “action needed” warning on. When I called them, they said the just still need some record from that one missing month, which just literally nothing happened at that time since my cat was healthy and it was during COVID. And the reason they gave me was they need to make sure that my cat didn’t have dental issues before I started the plan with them, which as I mentioned at the very beginning, I have been with ASPCA since 2017! No matter what comes out during 2021, it should still be AFTER I got their plan! I’ll see what happens after today and if they don’t reimburse due to this dumb “you couldn’t show your cat had no dental issue before using our plan” reason, I will come update this post into a shorter version with one star and ask people to run from them.
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5

out of 5

POSTED: | BY: Robert Burnett

Great pet insurance!!!

I've had ASPCA pet insurance for a long time. It sure feels good knowing that I have a great accident policy in place for my small Chihuahua dog. I like the wellness policy for vaccines and preventative care comes in handy. The claims are settled very fast and I will be staying highly recommend!!!
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5

out of 5

POSTED: | BY: Cheryl

Quick response time

ASPCA pet insurance turnaround time has bee quick and easy to navigate.
1

out of 5

POSTED: | BY: kristin smallwood

This is my third pet insurance company…

This is my third pet insurance company I’ve tried and unfortunately this has been the most disappointing / worst one. I had high hopes but because I wound up with a few large expenses they are making it impossible to be reimbursed by violating their own TOS and making it extremely difficult to resolve. Their customer service is also not very good, just people who don’t really know what they’re talking about and read from scripts. As soon as I’m able to I’m DEFINITELY going to switch to a different provider. I would not and will not recommend this insurance to anyone. Nationwide is probably a better choice; maybe anyone else!
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5

out of 5

POSTED: | BY: Heather

Easy Set up

The process was easy to set up the insurance for out pet. In addition the language was very easy to follow and understand.
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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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