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: Linda Smart

THIS PET INSURANCE IS A FRAUD

THIS PET INSURANCE IS A FRAUD. I PAID $1500 IN PREMIUMS AND $1500 IN IN DEDUCTIBLE FEES TO GET BACK $2,100. THE REPRESENTATIVE TOLD ME BEFORE DENTAL SURGERY TO MAKE SURE I GOT IT DONE BEFORE 4/12 SO IT WOULD BE UNDER THE RENEWAL DATE SO I WOULD GET BACK 90%. FOR A SURGERY THAT COST ME $2,200 THEY PAID ME $656.94. THEY SAID IT WAS PREEIXSTING. VET DISAGREES AND I HAVE THE RECORDS TO PROVE IT. DON'T FALL FOR THIS. THEY CALL EVERYTHING PREEXISTING TO NOT PAY. I AM 75 YEARS OLD AND THEY SCAMMED ME. I AM SO UOSET I HAVE NO IDEA HOW I AM GOING TO PAY THIS BILL.
1

out of 5

POSTED: | BY: Linda Bramblett

Bought this insurance in February for a…

Bought this insurance in February for a healthy pup. Had an annual exam with shots, etc... on April 7th. Sent all information in that day. I did not own the dog last year (it was rehomed to me by a client). Now, almost a month later, they are needing Vet records for going back a year. When, this was a normal annual exam. Slow rolling insurance company, and well, I am really disappointed after the reviews I saw, that helped me select this. Keep getting, the old we are backed up on claims. If they really needed a year prior of records, they should have required that before even insuring my dog, or let me know it would speed up claims. I am not even sure I have official access to my dogs prior vet records.
3

out of 5

POSTED: | BY: Katie

email links not working

The link to add my vet info does not open. I responded to let you know, no word back. So that is why only 3 stars
5

out of 5

POSTED: | BY: Lori Riley

Super easy to choose the coverage you…

Super easy to choose the coverage you want. Very reasonable rates.

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.

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