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.
1

out of 5

POSTED: | BY: Sally Embrey

Purchased for amazing reviews, but 100% disappointed.

We have three cats and never filed a claim until our little one started having what seemed like sudden and severe behavioral issues. The claims were open for over 4 months (so they made another $400!) before they denied coverage because they didn't get all the paperwork. There is literally no paperwork left to send them --- all vets sent them everything they had! I have had to explain the same thing over and over and over again to different people until I finally lost it one day. I called my vet crying because I don't know what else to do and the vet said they consistently have issues with ASPCA and recommended a new health insurance. I wanted to give my cats the very best!! ASPCA was not it.
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5

out of 5

POSTED: | BY: Dwain Novak

I have not had a chance to use it

I have not had a chance to use it. Just signed up.
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5

out of 5

POSTED: | BY: Cresencio David Torres

Easy to navigate website

Easy to navigate website. Good listing of insurance coverage.
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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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