ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: Daniel Kelley

🎃 MY LITTLE PUMPKIN 🎃

🐈 I’m sad because I had to put down my baby girl Hazel she was a great cat I had her for 14 years of love and I still hear Hazel in my house meowing in the Connor of my eye I can see Hazel sometimes. I want to thank ASPCA they were so good to me one phone call and all they said was sorry for your loss we will take care of everything. Three days later my money was in my account. If I ever get an animal again I would definitely get ASPCA Pet Insurance god bless them they were so good to me no I meant great to me Thank you all so much 🐈🎃
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5

out of 5

POSTED: | BY: Erin

I heard back quickly and the associate…

I heard back quickly and the associate that helped me fully resolved my problem.
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2

out of 5

POSTED: | BY: Madeline Manfre

Confusing about "pre-existing conditions"

The coverage in writing is good but we were denied an almost $800 emergency vet bill because they say it is a "pre-existing condition". Normally that would be an ok explanation for me since we did go to the emergency vet once before we had this coverage for a similar episode. The confusing part is that they are covering the $200 bill for the follow-up at our normal vet. I'm not sure why the follow-up appointment does not count as a pre-existing condition but the initial emergency visit does. I think they should be more detailed and explicit in what counts as coverage and what they consider to be a pre-existing condition.
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1

out of 5

POSTED: | BY: Ivonne Urrea

ASPCA has not paid my Vet Insurance and…

ASPCA has not paid my Vet Insurance and it has been two month since I am trying to get reimburse.
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5

out of 5

POSTED: | BY: Jennifer Fisher

They listen to you

They listen to you
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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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