1
out of 5
POSTED: | BY: for your orderkim
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4.5
out of 5
Number of reviews 12,118
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: Kaylee Jones
This insurance is a SCAM
They will find any reason to deny your claim. I got my dog from the pound and all of his old medical history we could not get ahold of because it was not given to the pound we got it from. We only had the medical records from whenever he was in the pound to whenever we started taking him to the vet. They were trying to deny the claim because they didn’t have any of his records to see if they could prove that it was a “pre-existing condition”. They will try to say that everything your dog has is a pre existing condition. Do not recommend and this is a SCAM. If you do try and call about it, they’ll tell you that they’ll have someone reach out to you but within 3 weeks I never got a single call and any time I would call to get an update they would act like they didn’t know what I was talking about. DO NOT RECOMMEND AT ALL.
3
out of 5
POSTED: | BY: Dave Iacono
Canciling
With the recent rate increase I decided not to continue with the insurance
1
out of 5
POSTED: | BY: Jenny Huizinga
Overly Complicated Claims process and bad Communication
I have had nothing but trouble with ASPCA. Their communication is poor, their customer service line cannot seem to get it straight was is needed and they do not communicate back to try to resolve an issue. They also say that they have reached out about medical history, but that is not the case. I am so far very unimpressed with ASPCA Pet Insurance
1
out of 5
POSTED: | BY: Brad Warren
Company needs major improvement
While I have had some good claims go through, the most recent one was handled extremely poorly. They will dig through your pet's medical history until they find something they can latch on to and call a preexisting condition. This time it was - VOMITING. Vomiting as a pre-existing condition? That is a symptom of literally everything. When you call and ask for explanations, they can barely speak English let alone explain the reasons why your claim is denied. They will not look at the claim again, just tell you to dispute the claim. I will try but I'm sure it will amount to nothing. As someone who works in customer service, this experience has been less than stellar. A company with ties to the ASPCA that treats its customers and pets this way is sickening. Now I'm scared to leave because my dogs are seniors and need coverage. Very disappointed. 0 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.