ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,116

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: Brandi

The worst pet insurance

The worst pet insurance, when they deny coverage, claiming a UTI is a pre- existing condition for my cat. He's never been sick. He got a infection and had treatment plan with great recovery. I was told to file a dispute with complete documentation, but a supervisor called back and said if in 180 days and he didn't have reoccurrence they might consider revisiting their decision. The make sure in 30 day trial, they will definitely not pay out a claim.. You think ASCAP would be the advocate for animals, but just like other insurance companies. Some many reasons to denied and not pay out a claim.. All about making money, especially if your fur baby bill is too high..
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5

out of 5

POSTED: | BY: Donna Little

ASPCA website is easy to navigate.

ASPCA website is easy to navigate and sign up for different Coverages. I have had one Cat for five years with the company and they have been great on the reoccurring cost of an ear infection!! Monthly payments are minimal. I just adopted a four month old Kitten and just enrolled her on a new plan.
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5

out of 5

POSTED: | BY: Russel Clark

Easy use

Submitting a claim was easy and straight forward. Also quick action in finishing the claim
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5

out of 5

POSTED: | BY: Katherine Dinda

ASPCA PET INSURANCE IS FANTASTIC

ASPCA PET INSURANCE IS FANTASTIC. The APP easy to file the claims. They always have my babies best interest at heart.
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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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