ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,062

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: Erin Smyth

Denied for wellness, microchipping and neutering!

I have been paying for over a year for both preventative care and illness for my puppy (18 months old). I have been denied for everything: vaccines, wellness visits, neutering, microchipping, and an impacted tooth. I was also denied for a congenital issue (a heart issue) that they said was pre-existing rather than congenital. After paying $8000 in vet bills, and $1200 in fees to ASPCA, I have been approved for reimbursement for only $110 and it says I haven't reached my deductible of $250 yet! This definitely appears to be a scam.
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5

out of 5

POSTED: | BY: Toni C

Happy with coverage.

I have had ASPCA coverage for several years on my 2 cats. I have one cat that has had digestive issues (that I was unaware of) from the beginning. My coverage has been excellent for her and my vet is very prompt with submitting claims. I guess some vets don't submit as well as some are very lax in getting claims submitted. If a claim is taking longer than you expect I would call the veterinarians office to see if the claim has been submitted in a "timely" manner by the vet staff. This is NOT because ASPCA is lax. I always get timely correspondence on claims being submitted and then paid.
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5

out of 5

POSTED: | BY: Alfredo Guitron

When I Took My Dog There

When I Took My Dog There , Right When I Stepped In I Was Greeted With A Hello. When They Saw My Dog And Talked To Us , They Were Very Helpful. They Helped Me So Much , Very Happy With My Decision To Go There And Trust Them With My Dog ( Little Mamas ) . Thank Y’all
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3

out of 5

POSTED: | BY: Mary Hodge

While ASPCA is a good pet insurance

While ASPCA is a good pet insurance I really don't have enough experience with ASPCA pet insurance to give 5 stars. I gave 3 star's because even though I pay for 90 percent coverage I am a little disappointed in how they calculate what they will reimburse me
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5

out of 5

POSTED: | BY: Heather Fraser

Called to update name and explain that…

Called to update name and explain that I accidentally submitted a claim twice he was very helpful and knowledgeable
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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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