ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,078

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: Debra Stolowitz

Not happy with customer service…

I wrote a long email to customer service and never heard back. I signed up and was unable to enter my free month code and I tried to call but kept being transferred and disconnected until of course when I couldn’t wait any longer, and signed up, customer service answered literally the moment I finally paid and then they told me they couldn’t help me. Not a good way to start out over such a small amt of money that you are giving as an incentive for people to choose you and then you don’t come through when your service doesn’t work!
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4

out of 5

POSTED: | BY: Vickie

New Customer.

Once I was advised on how to submit claims the process was very easy. Claims were processed and paid by direct deposit in a reasonable time. I am pleased with ASPCA
4

out of 5

POSTED: | BY: Margaret Greco

I recently switched to a different…

I recently switched to a different insurance company. There coverage wasn’t as good as ASPCA, so I switched back.
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1

out of 5

POSTED: | BY: Japhet

Never responded to any of my emails…

Never responded to any of my emails about my claim. Constantly on app said I needed to upload my invoice and I did 3 times and not once was anything done or founded for me. This company Is a joke even when I called to cancel they didn’t even try to alleviate or ask why I was cancelling this company could give a rats ass about your pets. Don’t sign up find something that’ll actually help
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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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