ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,063

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: Jeffrey Malone

Is it worth it?

We have had this Insurance on our dog now for almost 12 years. Paid the Premiums Every Month. We Never filed a Claim until he needed Dental work in April of this Year, $3400. We received 50% Reimbursement. Then this August He injured his Neck while Flinging a toy around and was in the Vet Hospital for 2 weeks, At a Cost of over $2800. Filed a Claim, 2nd claim in 11 1/2 Years and were Reimbursed $108. (This part is Edited.) 2 Weeks in the Hospital Wasn't Covered Due to the Fact the Vet Didn't Classify the 2 Week Stay as (Medically Needy)They Classified it as Boarding on their Report to the Ins. Company. Which is NOT COVERED or Correct. Make sure you understand Exactly what your plan Covers, and that the Vet understands what Their Paper work to the Insurance Company should be labeled as. Ask Questions of the Vet. Could be quite costly if you don't.. The Ins. Company only goes by what the Vet say's, Be Thorough!!
5

out of 5

POSTED: | BY: Mary Graf

Signing up for pet insurance with ASPCA…

Signing up for pet insurance with ASPCA was probably one of the smartest things I’ve ever done. The comfort and reassurance it gives me knowing that my dog’s potentially costly vet bills may qualify for reimbursement.
5

out of 5

POSTED: | BY: Tomikah Williams

The customer services was excellent

The customer services was excellent. I received a call to welcome me to the Aspaca pet health insurance family. She thanked me for joining and asked about the pet by name. She got me all set up online for services. It could not have been a better experience.
5

out of 5

POSTED: | BY: Koral King

Ebony was so helpful and kind!

Ebony was wonderful and helped with everything that we needed! Wonderful Customer Service!
5

out of 5

POSTED: | BY: Mary Jarek

I received an email and phone call

I received both an email and phone call. The phone call was very personalized about my dogs. Unfortunately the call dropped and there wasn't a follow up with another call. I did get an email then to explain using the website.

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.

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