5
out of 5
POSTED: | BY: PAMELA
I've not had any interaction yet
I've not had any interaction yet. When I do, I will let you know.
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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.
5
out of 5
POSTED: | BY: Joan Asbury
Pet Insurance Program
I enrolled in the pet Insurance Program for my cat. Everyone has been very helpful. That was last month I think and so far I have not had to use it... It is reassuring to know that if I ever need to, I can have a way to help her. Thanks so much, Joan Asbury
1
out of 5
POSTED: | BY: Linda Aumiller
Nothing covered...:(
Got full coverage for our puppy. When i filed claims, very little was actually covered. I've spent hundreds on vet bills AND insurance and got $80 back :( I'm feeling if I take all the money I'm paying in premiums and put it in an account, I'll come out ahead of paying monthly premiums...
2
out of 5
POSTED: | BY: James
Started out awesome but yearly premium increases are insane
When I first purchased ASPCA for my dog 2 years ago and then for my 2 cats 1 year ago I loved it. Filing claims was/is easy, you get reimbursed quickly, the company website and the layout of your online account for the plan is intuitive , everything just works. Fast forward to today and, well, I'm pissed. Before choosing ASPCA 2 years ago, I did a lot of research on the different pet insurance companies which included reading reviews and pouring over the fine print for each offered plan. I understood before purchasing a plan with ASPCA that premium rates go up each year per pet and this is true with every insurance company. What I did not anticipate is how much those increases would be and dear god its thievery. The first increase for my dogs plan ended up being +$29.11 a month. The second and most recent one? +$54.56 extra per month. Are-You-Freaking-Kidding-Me? An extra $600 a year. What about my cats you might ask? For their first increase it was about +$5 for one and +$9 for the other. This price increase is ridiculous and when you look at how much I've paid ASPCA since using them and how much I've gotten back its sickening. Now I get it, insurance is just like gambling and you always take a chance. But a price increase of almost %29 in one year? Give me a break. Pure Robbery. Needless to say, I will be canceling my plan.
Oh! What happens if you try to reach out to customer support about the increases? They tell you, "just reduce your coverage and you'll save on premiums". So basically my option is to reduce medical coverage on a family member to save money. Really? Not ok.
5
out of 5
POSTED: | BY: Cathy Drolson .
I called and she was very helpful…
I called and she was very helpful answering my questions.
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.