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.
1

out of 5

POSTED: | BY: Lori

Get this:

Get this: I have my two horses insured here for accident/colic. My horse had to have colic surgery and the bill was over $17,000. Guess how much they reimbursed me? $889.00!!! Don't know how or why they denied practically everything! What a joke. Canceling this insurance immediately! I thought having insurance through the ASPCA was the right thing to do since I donate to them regularly. Thought they would be an honest and trustworthy company. WRONG!!! ASPCA-don't bother to reply with an I'm sorry you had a bad experience and to call customer service.
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5

out of 5

POSTED: | BY: Sterling & Obsidian Dena Mille

Claims are easy to submit and they are…

Claims are easy to submit and they are paid pretty quickly, I haven’t had any issues with coverage although I do wish they didn’t cap the coverage amount.
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5

out of 5

POSTED: | BY: Hannah Ozment

It was easy to add a pet

It was easy to add a pet
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4

out of 5

POSTED: | BY: Rewa Grooms

I am satisfied with the insurance

I am satisfied with the insurance. Just wish I would not have to be reimbursed for charges.
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5

out of 5

POSTED: | BY: Tracy Pearce

This insurance has been wonderful

This insurance has been wonderful, they paid me back in a Timely matter. I would definitely recommend them.
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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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