ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,136

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: Dr. Wines

Awful Experience

Unfortunately. This company is awful and all affiliates. They charged me the "premium" rate in November of ~$120 with a 90% reimbursement. I changed to a lower rate afterwards with an 80% reimbursement. I had a claim during that month and they did not pay me out at the appropriate 90% for the amount I paid, nor did they give me the $50 back for the new and cheaper rate. I was kind enough to say they could pick which of the two options they preferred. Unfortunately by not doing either option they stole from me and will be filing BBB complaint, disputing with my bank and contacting a lawyer. Additionally, I am lucky that my fiance is a veterinarian and informed me that this company is indeed awful. The amount paid does not remotely reflect the appropriate coverage. There are better insurers out there, you would be wise to choose on of these options. Dr. Wines
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5

out of 5

POSTED: | BY: Rita Santamorena

Helping with our Ashley's care

A tremendous help with our Ashley's medical experiences. Claims were reviewed and paid in a timely manner. Thank you.
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5

out of 5

POSTED: | BY: Melanie

A great way to feel safe with a puppy

The plan was easy to understand. Pricing is reasonable.
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5

out of 5

POSTED: | BY: Kenneth Sterling

Very helpful on the phone and easy to navigate online

Very helpful on the phone, and the website was easy to work with. I cover both a horse and a cat. Heard from a friend they did horses, that was great news!
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5

out of 5

POSTED: | BY: Connie D

Confidence for the future!

Very straightforward and affordable insurance and easy to sign up! Also love that there’s only a 14 day waiting period.
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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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