ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Delois Escott

Don't Purchase ASPCA Pet Insurance - SCAMMERS!

I have two Chocolate Labs and one became ill with diabetes in July 2015. In one year, I havce spent thousands of dollars on vet bills. I had purchased insurance from ASPCA two years prior to my dog becoming ill and I paid a monthly premium of $85.00 for both pets. ASPCA have only reimbursed me $1,000 on my claims. They claim that I had $3,000 available for insurance period July 2015 and November 2015. During that period,ASPCA did not reimburse half of the claim amount. ASPCA only reimbursed approximately $340.00. Now ASPCA is claiming I am no longer entitled to the $3,000 incident amount because any new claims related to diabetes is considered continued care. I am only eligible fora reimbursement of upto $1,000, which they claim I've already used since Nov 2015 to date. I am filing a complaint with the department of insurance. DO NOT PATRONIZE THIS COMPANY! They are better insurance companies out there.
5

out of 5

POSTED: | BY: Laurie

Worth every penny

This is the second claim I have filed through ASPCA and I have had zero issues being reimbursed. I submit my claim and in a couple of weeks I receive a check. If it weren't for them, I would not have been able to afford to save my fur baby's life. Thank you.
5

out of 5

POSTED: | BY: Denise

Glad I finally looked into getting pet insurance

I was always reluctant to look into getting pet insurance. Why I don't know. I have had ASPCA insurance for about 3 or 4 years now on my beagle. So glad I did it. It's very easy. Pay your vet at the time of visit, submit the bill with the claim form. Turnaround time for reimbursement averages about 2 weeks. I tell everyone, my friends, coworkers and people I meet in the vet's office how great ASPCA pet insurance is. Everyone says they should look into it too. Some people will ask for the website address. I also like the fact that many times a Customer Service rep will take the time to just give a call and ask how my beagle is. Great company and great service. So glad I finally did it. Why don't you?
5

out of 5

POSTED: | BY: Jason

Great service

Fast response to claims and great service.
5

out of 5

POSTED: | BY: Niomi Devereux

Worthwhile pet insurance

My dog had two back to back, unrelated, stomach problems. The vet was able to resolve both. ASPCA pet insurance sure helped with their quick reimbursement for these unexpected vet expenses.

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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