ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,131

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: Max Power

Don't get ripped off, keep shopping!

Before you buy, please understand that this company is a scam. They will make up policy amendments as needed, claim they never received requested documents, & decline legitimate claims. Once they deny a claim don't expect to ever receive a response from anyone. Customer service is literally non existent. I would wish you the best of luck in getting anyone to help, or simply respond to any questions you have. Worst experience with an "insurance company" I have ever had. Don't get ripped off, keep shopping, there are better organizations than this by far.
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5

out of 5

POSTED: | BY: Donna Haddad

Easy application

Easy application. Smooth process. Thank you.
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5

out of 5

POSTED: | BY: Nicole Nevels

Itwas easy to start

Itwas easy to start
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4

out of 5

POSTED: | BY: Dave Spory

I have just signed up

I have just signed up, they seem to be on top of things
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5

out of 5

POSTED: | BY: Kelly Russo

Great price/ Great coverage

I have great coverage for my dog at an affordable price
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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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