5
out of 5
POSTED: | BY: Kristine
Amazing coverage
Amazing coverage. Easy claim submission and quick reimbursement! Highly recommend
Read more on Trustpilot
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: Sidney Andrado
Best Bang for Buck
I have found compared to other companies that the rates are cheaper the coverage is better the payout is faster and that they work with gofetch as another option to pay.
5
out of 5
POSTED: | BY: Don Smith
I'm a new customer.
I'm a new customer.
I've only been signed up for a week. I have an experience anything with the insurance yet.
1
out of 5
POSTED: | BY: Carin Miller
Disappointed, I don't recommend this company
I am very disappointed in the company's policy to not accept an invoice from my veterinarian. They denied the claim after they were told 3 times that the invoice provided is the only invoice available. I will be canceling this policy immediately and I highly recommend not doing business with this company.
Update-after filing this complaint on Trustpilot, the company NOW wants to talk. I requested calls to my veterinarian and myself but there was no reply/response. If they had called, they would have known that this invoice would have cost them nothing. The small amounts covered on the invoice would have been applied to our deductibles.
2
out of 5
POSTED: | BY: APFernandes
I am very disappointed
I am very disappointed. I have been a client (with multiple pets) since 2007 and ASPCA Pet Insurance has been going downhill over the last 5 years. They cannot blame the pandemic, because customer service has been declining for longer than that. They recently changed the website one more time and now hardly ever works, overall the site is buggy. Now, the claim submission form is super long and takes double the time with all the clicks and odd navigation, and when you finally reach the end of it, the site acts up and you cannot submit it and it loses the info. When we call, the new phone tree is torture if you are lucky to survive, you still need to wait at least 15 min to talk to someone. The reimbursement levels have been declining gradually and they got to a point that is hard to cover any expense, it is unrealistic.
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.