ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,136

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: Jamie Zepp

Absolutely horrible insurance

Absolutely horrible insurance. I bought it waited the amount of days necessary for it to cover and then took my dog to vet. I submitted the claim, assume that they had paid it in my account and when I went to look, they had denied it. I took my dog in for a tiny bump on her ankle (I don't like bumps at all on my animals. I've lost one to cancer.) They sent the claim back denied. Stated that ligaments and tendons weren't covered until after 14 days??????? Neither of those are applicable. Absolutely not worth the money.
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5

out of 5

POSTED: | BY: Ulla Rodman

Best price comparison

I compared prices and this was the best deal for what you get. Plus I support the ASPCA and I trust them to provide a good service.
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5

out of 5

POSTED: | BY: Gina

The online process is quick and easy to…

The online process is quick and easy to maneuver. When calling customer service, the representative was extremely helpful and informed. An overall great customer experience!
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5

out of 5

POSTED: | BY: Judith Hankins

Good review.

The people I talked to on the phone were very knowledgeable and helpful.
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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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