3
out of 5
POSTED: | BY: Holly Reynolds
I bought the plan and really doesn’t…
I bought the plan and really doesn’t cover anything and is expensive.
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4.5
out of 5
Number of reviews 12,064
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: Jade Fairclough
Useless Pet Insurance
Signed up after hesitation about pet insurance due to everything being considered a pre-existing condition. Didn’t receive anything in the mail until a month later as inaccurately described by sales. The coverage I signed for says it starts mid month the previous month which is completely inaccurate. I also recently submitted my first four claims. Naturally they accepted my own money towards the deductible but when it comes to ASPCA insurance covering anything my intuition was correct in that everything is going to be considered a pre-existing condition. For example, my pet received an antibiotic injection and they stated this was injection was not reimbursable because it was for a pre-existing condition. When I questioned why the injection portion of the claim was not reimbursable they stated it was due to a pre-existing condition. They stated it was due to my pet having tartar which could lead to gingivitis even though gingivitis wasn’t listed in my pet’s record. An antibiotic injection is not given for tartar! Pet insurance in general is a total waste of money, you’re paying money every month to have useless insurance and for ASPCA insurance to deny this claim is ridiculous, especially since there was nothing in the medical record leading to a pre-existing condition. Love how the employees try to put a positive spin on the insurance though. ASPCA insurance and any other pet insurance will always try to find loop holes and grey areas to keep your money. Not a good investment in my opinion.
1
out of 5
POSTED: | BY: Hernan Benites
they didn't even cover my dog's medical…
they didn't even cover my dog's medical visit. This company is disaster. And it takes more than a month to give you an answer about the refund. One of the worst decisions I've ever made.
5
out of 5
POSTED: | BY: Sabrina Rigas
Upon signing up with the company
Upon signing up with the company, I received a warm welcome call explaining the insurance policy we chose for our dog and made sure to reach out if we had any questions or concerns.
1
out of 5
POSTED: | BY: Hernan Benites
Worst pet insurance
Worst pet insurance. Not recommended. This is an scam. They don’t cover any medical visit.
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.