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.
3

out of 5

VETERINARIAN: St. FRANCIS

POSTED: | BY: Joshua

Easy claim process. Dead Slow reimbursement!

Easy to submit claims! However…….. I hope you’re not expecting a quick reimbursement process! I’d consider 7-10 business days to be a normal wait time. I’ve filed 4 claims in the last 5 months. First one took a combined total of 2 months. Second took 3 weeks. Third and fourth took 4 weeks! Again….. Easy claim process. I’m not strapped for cash by any means either. Just extremely frustrating to know you pay for insurance and it takes that long to get a benefit you’ve paid for. And don’t expect any decent information through email. Best to call in and try to speak with someone.
5

out of 5

POSTED: | BY: Elizabeth

Terms and costs of coverage were clear.

Terms and costs of coverage were clear.
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4

out of 5

POSTED: | BY: Douglas Newcombe

Signing up and getting the information…

Signing up and getting the information was very easy and convenient and changing options was easy as well. I am not sure yet about the insurance reimbursement process because I have not used it yet.
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5

out of 5

POSTED: | BY: Esther

Very easy sign up process.

Very easy sign up process.
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1

out of 5

POSTED: | BY: Laura Koepnick

Be aware

Be aware - they consider a torn ACL to be an illness rather than an accident, even if your dog jumps out of a car and tears their ACL.
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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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