ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,062

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: Jason Novak

ASPCA Pet Insurance Very Disappointing

You would think that pet insurance associated with a reputable organization like the ASPCA would be committed to helping you take care of your four legged family members. Instead, they are quick to reject your claim and try to justify it as a “preexisting condition.” When you submit a letter from your veterinarian stating that it was not a preexisting condition, they are non-responsive. They actually tried to claim that because the vet stated that our dog was “lethargic” when he hurt his leg 5 months previously, it was connected to an inflammation of the brain later that year. They will work hard not to support your claim. Don’t get this insurance unless you want your pet’s medical emergency to be even more stressful!
5

out of 5

POSTED: | BY: Gina V

The caller was informative and kind.

The caller was informative and kind.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Anna

Horrible Customer Service

They are horrible. Everything is a preexisting condition, and they do not cover for anything, and when you call them they do not even try to help you. Waste of time. Waste of money
Read more on Trustpilot
4

out of 5

POSTED: | BY: KSmith

The sign up was easy but I haven't used…

The sign up was easy but I haven't used it yet.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sharon R

Ease of use with clear instructions.

Ease of use with clear instructions.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review