1
out of 5
POSTED: | BY: Brian Gines JR
Never got a card for proof of insurance
Never got a card for proof of insurance
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4.5
out of 5
Number of reviews 12,062
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: tracy k
The information was sufficient to…
The information was sufficient to delineate your service from a competitor's. My husband ran the numbers for 10 years of coverage in our scenario, and ASPCA is likely to cost less over that time.
The items covered in the policy are sufficient as well.
5
out of 5
POSTED: | BY: Cindy Brown
Enrollment as well as set up process…
Enrollment as well as set up process was so easy!
5
out of 5
POSTED: | BY: Fox Keri
Easy to sign up....my dog is new and I…
Easy to sign up....my dog is new and I changed her name after registering and had to call ASPCA to change the name of the dog covered. Wish that was allowed on my insurance site via a simple update or "change pet info" but it wasn't...only adding another pet....couldn't modify info already submitted
1
out of 5
POSTED: | BY: Joanne Davies
Avoid! Blatant bad faith company
FYI the business reply below says “get in touch via this email” yes this is the same email they blatantly ignore me on and I reference in my review. It is just bots replying to reviews to keep their scores high. Look at the other 1 star reviews on here! They're telling the truth. See how ASPCA responds to everyone telling them to call a number that no one answers just so they look like they're engaging on here. They are shady!
My experience has been that after ASPCA failing to process my claim within the contracted time and after exhausting my good graces with excuses they they proceeded to deny my claims because as they claim "multiple attempts were made to obtain medical records". This is despite the fact my vet had sent them everything they requested multiple times and I too had forwarded things to them. I made numerous attempts to email them and they would send cut and paste responses refusing to even acknowledge my formal complaints. Never once did they call or email my vet, get back to me (I on the other hand spent at least 4 time on hold for 30 minutes where no one answered). They just kept sending requests for records they clearly had. Even in our email chain it was clear that they had received the necessary documents. There was no getting sense from them. I wonder if they are bots or AI. I can't think humans would be that deliberately obtuse and act in such bad faith again and again. They pay a lot of money clearly to "impartial" insurance review sites to silence honest reviews like this one and flood the internet with reviews from fake industry professionals comparing the coverage instead of genuine customer experiences.
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 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.