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: Ashley D

4 years of ASCPA, looking to switch.

I've had this insurance for 4 years but want to switch. It's gone downhill the last several months. They do not keep your records and I have to resubmit every time for both pets even though Ruby was not born yet. They also do not caluclate tax within the claims anymore, and I no longer get 90% reimbursement even though it's in my plan. If they take 30 days to get through the claims, it may go toward the new deductible. They also don't process them in order. My vet's office has also complained how much they reach out now. I have called multiple times to get this fixed with ASPCA but they do not care and had nothing to say when I said it didn't even include the full billing cost anymore.
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5

out of 5

POSTED: | BY: Miriam Flores

ASPCA best investment

My dog got really sick, but I knew that with my insurance I would be able to get whatever treatment or testing needed for her to be healthy again. This pet insurance and the vet saved her life, I will forever be so grateful I decided to go with ASPCA. The claim process was easy and I already received my reimbursement! Thank you so much to ASPCA!!
5

out of 5

POSTED: | BY: Geraldine

Excellent Experience

The entire process was smooth and friendly.
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3

out of 5

POSTED: | BY: Maria Carranza

There should be no 14 day waiting period

There should be no 14 day waiting period
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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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