ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,329

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,329

Updated: November 13, 2023

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: Ann B.

Good investment!

I've been completely pleased with my pet insurance. The claims are easily completed, the payment is prompt. My two cats are important to me, as is my own peace of mind.
1

out of 5

POSTED: | BY: Amy

Total Scam

3 years ago our dog had begun to lick and chew on her tail. We eventually had to have it amputated. This claim was covered by ASPCA. It took several months to receive a check. The claim was $950 and ASPCA gave us $400 back- not so bad. After her surgery she healed and was fine for over a year. 2 year later she began to chew on the tail again. We battled with this second issue for over a year. The doctors didn't want to amputate it again and instead kept prescribing medicines to help with nerve pain. Our dog finally became so fixated on her tail at one point that we took her to the ER vet and they proceeded with amputating her tail a second time. Our claim ended up reaching over $4000 for the year+ that we spent taking our dog to the vet and for the surgery. ASPCA looked at the claim as a pre-existing condition and denied the claim. In their policy they state that 180 days constitutes as a waiting period in between injuries, however, they kept suggesting that our dog was never "cured and clear" of the injury. They hold all of our medical records directly from the doctor that show no indication of our dog being seen for anything other then a regular check up. I put in an appeal for the claim and received a letter with new excuses for denial. One, being that the claim was not submitted in a reasonable amount of time since the start of the incident. If we were battling the incident for over a year, then what do they expect? We submitted the claim immediately
4

out of 5

POSTED: | BY: Monika Balyan

Great choice of Insurance-wish it had more coverag

I have had ASPCA for 4 yrs now and though I have had few incidents, I really wish it covered more because on those few incidents I had - ASPCA didn't cover as much as I would have needed. Beyond all that, ASPCA is very easy to use, file claims, and has great customer service. It's reasonably priced. The customer service is really good and everyone is knowledgable and pleasant on the phone.
4

out of 5

POSTED: | BY: Patrick

easy to use, wish it covered more

I have had a great experience with ASPCA insurance - it's definitely worth the investment for the peace of mind. However, I do with they covered a higher percentage of costs. I live in a city where vet bills are higher than the national average, and many times my statements come back with discounted benefits because the cost is too high for the procedure. Although they advertise that they cover up to 90% of vet bills, our experience is that they cover 30-50%.
5

out of 5

POSTED: | BY: Laura Phillips

Amazing

My baby Jaxx was experiencing some severe stomach pain and I worry so much!! Thanks to Aspca insurance I had no monetary worries when taking Jaxx to the vet to get checked out! It seems he had lots of gas and tummy upset maybe onset of ulcers and they cleared him right up, and minus my deductible for the year we received 90% back, Thank you Aspca, glad I have you!!

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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