1
out of 5
POSTED: | BY: Michelle
Worst pet insurance company
I work full time at a vet and tell all my clients to steer away!!!
4.4
out of 5
Number of reviews 12,254
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: Robert Dolan
Don't use ASPCA horrible company
I have worked as a property and casualty adjuster for the last 30 years. I have never had a worst experience than working with this company-I also found out that ASPCA doesn't even own the insurance company, it is run through a 3rd party that uses the naming rights from ASPCA.
I had a claim for my dog and they denied it, they said i had filed it incorrectly, I asked to cancel the policy and they told me I needed to file it under a different coverage, I went through all the hoops and they denied it a second time and then refused to refund my policy after I asked that it be cancelled.
Don't use this company very shady-I had pumpkin for my last pet-they were fantastic. I'm cancelling ASPCA today.
1
out of 5
POSTED: | BY: Julianne
They are disorganized
They are disorganized, their app is missing critical features like explanations of claim decisions, and you need to call multiple times to follow up with them. They will base denials not on vet's guidance or treatment. Not really worth paying for premiums. I wish I had signed with a difference insurance provider.
1
out of 5
POSTED: | BY: Jesse Ferrer
Would not recommend anyone get a policy…
Would not recommend anyone get a policy from here. They won’t pay your claims. They’ll start off paying the first claim then won’t pay anymore and give excuses. Just save a little money every month and you’ll get it back 100% when you have to take your pet in. They shouldn’t even be able to use the word “insurance” because it’s not. It’s a flat out lie.
1
out of 5
POSTED: | BY: Karyn \
Scammed
The worst insurance ever uses tactics to deny claims. Charges me a $177 just about for one dog who only had some acute problems, like a bad ear infection and Arthritis of course, because she's getting older and a urinary tract infection. They're asking me for records from 3 years back. This dog hardly ever went to the vet. So I don't understand why I would be given such a hard time and charge. So much money to boot their customer service is terrible and they take long to process claims. And they're too expensive. Do not cover your dog under this insurance. Insurance i've had them for a while on my dog.And they don't want to pay me any money for her.What is the point of having it?If i'm paying all the bills. Update 12/17 @ ASPCA it seems you give the same generic response to everyone from what i've read on all the negative reviews about this insurance.
passing it on.? You're not changing your tactics or your ways and you are overcharging your customers and not covering their pets, if the pets are young possibly that's when you cover.But obviously you are not correcting the problem and lame excuses is all I've read throughout.
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.