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: Unhappy customer

Absolutely horrible

Absolutely horrible. They will happily take your premiums, but pay little or nothing. They require every record of every sneeze and bite of kibble your pet has ever had. And when you send it, they will lose what you sent, close the claim without paying a penny and say nothing. When you re-file, they will lose your records and only if you call repeatedly will they magically find your information. After that they will ask for records from before your pet was born. If you’re persistent, and you’re lucky, they might give you back $50 on a $700 claim after you pester them for several months and threaten legal action.
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5

out of 5

POSTED: | BY: Sharon McKinney

Insurance for my new puppy

The price and the good reviews
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1

out of 5

POSTED: | BY: Lauren McLenaghan

Personally did not have a good experience

I can’t get anyone to answer a phone call or email. I pay $120 a month. Coverage is very little and often nothing.
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4

out of 5

POSTED: | BY: Lou G

The ASPCA is an honorable organization…

The ASPCA is an honorable organization and putting their brand on a pet insurance is reassuring. Competitive pricing at coverage mix makes it easier to feel comfortable with this offering. This is why I made them my choice for my new pup.
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4

out of 5

POSTED: | BY: Johnny Romo

Honestly

Honestly, it's too soon to tell... I will be taking "Otis" to his first visit soon. Then I can give you a more accurate review. A
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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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