ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,059

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: Tara

Highly recommend

If you are thinking about Pet insurance, Definitely get it and get it through ASPCA, they have been excellent! No issues with claims at all.
5

out of 5

POSTED: | BY: Harvey Laidman

Reasonable and caring

I have rescued two dogs and have been most appreciate of ASPCA insurance. The cost has been very reasonable, and the personnel is very caring and easy to talk to.
5

out of 5

POSTED: | BY: Daniel festian

Try are great to work with

They are bery good to deal with, very friendly
5

out of 5

POSTED: | BY: Ferne Waldman

REVIEW

Very affordable Pet Insurance...they are fair with there pricing and pay promptly. Very happy with ASPCA..
2

out of 5

POSTED: | BY: Antonette Gosnell

A total disappointment!!!!

I can't express how disappointed we are in the ASPCA pet insurance. We have been loyal customers for over 6 years paying well over $4,000 into the plan. Now that we have had the misfortune of our dog being diagnosed with terminal cancer, we have had to utilize the plan. The claims take approximately 4 weeks to pay and they are averaging a payout of 55-60%. Totally unacceptable.

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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