ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Elizabeth

ASPCA

I learned about ASPCA Health Insurance through a partnership it had with the Virginia Association of Realtors. The Policy is supposed to cover some preventative services, as well as illnesses/emergencies. After more than a year when my labrador had several ear infections and allergies, as well as her well-dog check-up, only one of her claims was paid for $130 out of a $600 bill. As a human health policy expert, with many years of experience working in the Congress on Medicare and federal health issues, I can honestly say that ASPCA's advertised benefits are not honest. ASPCA is definitely not worth the premium.
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1

out of 5

POSTED: | BY: Consumer

I submitted a claim a month ago and it…

I submitted a claim a month ago and it hasn’t been resolve at this time. It is taking way too long to have my issue resolved. I received an email over a week ago apologizing for the time that is taking but it is still not resolved. If it is not resolved within the next week I will be looking for another pet insurance.
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2

out of 5

POSTED: | BY: Kerri fugr

Extremely slow to process claims

Extremely slow to process claims. Stated when filing that the average claim processing time was 3-4 weeks. 4 weeks later I get a follow-up email With an apology stating they are working on claims as fast as they can. I checked today and still has not been processed or even looked at and the processing time has now changed to 35 days. I I'm now unsure if this will be an ongoing issue as an attempt tonot Pay claims. I will follow up on any claim Is processed to see if i can get reimbursed for at least a portion of the bill i
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4

out of 5

POSTED: | BY: Melanie Smith

Customer service

The representative was courteous and very informative help me to pick the right plan based on my needs.
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5

out of 5

POSTED: | BY: Ron Fowler

Great phone representative

I just wrote a great review and lost it! Your phone representative, Shannon in Pennsylvania, helped me sort out a payment schedule, and she is the main reason I am staying with your company! I had the great pleasure of getting her for both of my calls and could not be more grateful for her professional, caring, witty assistance, and you should know what a jewel you have in your employee! I’m new to pet insurance and her assistance ( I was blessed with her answering both times I called), has been a joy! Thank you for hiring such a wonderful person!
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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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