ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,057

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.
4

out of 5

POSTED: | BY: Wendy

Great but could be better

I've had this insurance for several years and it has been great so far. Submitting claims is fairly easy and get reimbursed is timely. What I don't like about the claim submission is the breakdown of what you had done, it might not be listed. I'd rather that not be asked and them determine the category the service should go under based on the claim submitted. Also, l have had a few occasions when I submit a claim I get nothing reimbursed, I don't like that. Don't understand why. The cost of the insurance and it's rising cost bothers me as well, it makes me consider looking elsewhere when that happens.
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5

out of 5

POSTED: | BY: victor castañeda

The best insurance for my dogs

I have to say that it is the best insurance company I could find. Very professional and very kind. Vanessa was very helpful to me. She listened to me in Spanish and helped me with everything. Thank you Vanessa.
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5

out of 5

POSTED: | BY: CAREE K

Ease of use of website

Ease of use of website
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1

out of 5

POSTED: | BY: elizabeth washington

My claim got canceled without my…

My claim got canceled without my knowledge. Not only that, these people is saying that I canceled it....
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5

out of 5

POSTED: | BY: Edward Freedman

They took care of a lot of my bill I…

They took care of a lot of my bill I have a puppy that had nothing done to her so her first appointment was recent
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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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