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: Joe Customer

Injury or illness, having ASCPA insurance makes the decision to treat much easier.

I have had ASPCA insurance for 2 years for my 5 year old German Shepherd mix. She is a rescue and most recently we found out she needed to have TPLO surgery. I feel that because we have the insurance it makes the decision easier to treat her when an injury or illness occurs. I like the choices ASPCA has as far as reimbursement percentage, deductible, and level of protection. The claims process is very good. I have had to call them twice, and both times spoke with a representative that was understanding, caring, concerned, and really wanted to help. Both times I found the answer and the help I was looking for.
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2

out of 5

POSTED: | BY: Kim Holiday

The turnaround time is not good

The turnaround time is not good. My pet had an illness that was not remedied immediately and I had to put out all monies upfront. I would have liked the refunding to take place sooner in order to help with procedures.
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3

out of 5

POSTED: | BY: Thomas Lafferty

Long wait time for coverage

Disappointed in the long wait time until coverage begins. I have a puppy and have already been to the vet and had to lay out if pocket because we are still waiting for coverage to begin.
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2

out of 5

POSTED: | BY: Joshua June

I tried calling with a question

I tried calling with a question. I didn't know there was a 14 day grace period. My dog had to go to the ER the day I enrolled. I couldn't get a hold of anyone because the automated system said "we do not provide the insurance". Then who does? How can I get in contact with them?
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5

out of 5

POSTED: | BY: Makena Rose

great customer service with Sydney

I just signed up for pet insurance today and the person I spoke with on the phone, Sydney, was so kind and helpful in getting me set up! They were patient and answered all of my questions thoroughly and gave me any information I asked for. Thank you so much Sydney!
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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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