ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Andrew Kern

Grest insurance company.....I purchased ASPCA pet insurance for my…

I purchased ASPCA pet insurance for my cat, I took my cat to the cat dentist a couple of weeks later to get his teeth cleaned and it turned out they needed to pull 13 teeth it cost me $2200 and ASPCA within 2 weeks gave me back almost $1600 this company does exactly what they tell you they're going to do, I'm very satisfied with them the customer service reps were wonderful, they spoke English and they treated me very well, I highly, highly recommend,I pay 43 a month 250 deductible and they pay 80 percent, they were wonderful....thank you again
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1

out of 5

POSTED: | BY: Glenn

claims process is horrible and customer…

claims process is horrible and customer service never followed up calling me back. I had to make several phone calls and emails to just keep getting the runaround and they kept denying my claims even though I provided all necessary documents. This company likes to take you money but does not like to pay any claims. I would highly NOT recommend this pet insurance company to anyone!
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5

out of 5

POSTED: | BY: CFlores

Submitting claim is fast and easy.

Submitting claim is fast and easy.
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5

out of 5

POSTED: | BY: Nicole Harmon

Quick process with proper reimbursement.

Quick process with proper reimbursement.
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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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