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.
2

out of 5

POSTED: | BY: Gina

Monthly premium

Just got our annual renewal and was very unpleasantly surprised to see the premiums had gone up 25%.
1

out of 5

POSTED: | BY: KEM

HORRIBLE

WORST EXAMPLE OF BAIT AND SWITCH EVER!!!THE DO NOTPAY VALID CLAIMS....STAY AWAY FROM THIS "COMPANY" UNLESS YOU LIKE PAYING FOR NOTHING!!!HORRIBLE, first, my $74 monthly rate rate went up by $40 within the FIRST YEAR. Then, I brought my little Maltese dog because of a limp (sore leg from jumping off the couch). $355 bill and ASPCA said it was pre-existing which it was NOT!! I have her entire medical record for proof!! BUNCH of CROOKS. I am reporting them to the BBB and the Consumer Protection Department! Cannot resubmit the bill, it disappears!
5

out of 5

VETERINARIAN: RiverGrove veterinary hospital

POSTED: | BY: Gianfranco Giordano

Very happy with my vet and my insurance

We have had insurance with24pethealth from day one and have been super happy with the results
5

out of 5

POSTED: | BY: Illona LePera

It was informative & easy to apply

It was informative & easy to apply, especially, for two dogs. Price, was reasonable.
3

out of 5

POSTED: | BY: Joe Walsh

Its too early to give a truthful review …

I can't really review the product yet because I haven't had c the chance to use it. I can say sign-up was easy and they offer a lot of benefits as well as a sliding deductible scale. That was great, but I don't feel as if this can be a true review because I haven't used the service yet. I don't know why I would be asked to review the product so early but that's why it's only getting 3 stars

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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