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.
2

out of 5

POSTED: | BY: Deborah Garcia

Our dog Simba has been covered by thus…

Our dog Simba has been covered by thus insurance since he was about 2 years old. ASPCA was recommended by another pet owner at the dog park. It was reasonably priced and reimbursement was swift. As Simba aged, his policy cost increased as well...but not by much and was still worth it. This year, ASPCA decided to drop his plan and offered similar option that would ONLY cost over twice what we paid before. I looked into other company plans but the clincher was that other companies would not cover my aging dog's existing conditions and ASPCA would. We had to eat this huge increase for LESS coverage and keep him with ASPCA. With this increase, reimbursement is glacially slow and half the time, their site does not allow me to enter a new claim. What else is new - pay more - get way less. SO, so disappointed.
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1

out of 5

POSTED: | BY: Giulia Bitti Buys

Horrible

Horrible. Their app has been down for months. You are not able to submit a claim at all via the app or website. It’s extremely frustrating. Claims are delayed for payment by almost two months. It’s insane! Customer service can never do anything to help you. I’m so unimpressed by this whole company. What liars and crooks! We depend on this insurance for life saving money for our pets! Horrible company.
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5

out of 5

POSTED: | BY: Leah Murphree

Taking care of our fur babies and…

Taking care of our fur babies and making it affordable Excited to see how things work
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5

out of 5

VETERINARIAN: West Coast Animal Hospital

POSTED: | BY: Steven

Coverage that matters

Best thing we could have done as a dog family was make sure our Boozer was covered. Having his health to worry about was enough, knowing his coverage is reliable makes a huge difference and comforts us.
5

out of 5

POSTED: | BY: Sandra Mueller

Finally received questions answered.

Finally received questions answered.
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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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