ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,090

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.
2

out of 5

POSTED: | BY: D Fuentes

Our pet is almost 12 years old and had…

Our pet is almost 12 years old and had an emergency visit with an ER Pet Hospital. He was there from Friday night until Sunday morning. Needless to say we spent over 2000.00. Please Beware when they say you receive 90% or 80% of your bill, it is untrue. We were told the Vet Hospital charged more than they allow. It’s called “Usual and customary”. As customers we have no control what we are charged. It’s unfair to pay us only 48% of our actual bill when it’s supposed to be 80%. When your pet is on deaths door bleeding through their rectum and profusely vomiting you need to go to an Emergency Vet clinic or hospital. I find it a way to take from their customers what is owed to them.
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5

out of 5

POSTED: | BY: George Guenther

Haven’t filed a claim as of yet

Haven’t filed a claim as of yet. Setting up insurance was easy.
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1

out of 5

POSTED: | BY: David Eichner

Trying to register and it wants the…

Trying to register and it wants the account number. I have never received the account number.
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4

out of 5

POSTED: | BY: Doris Washington

The experience

The clerk was good in giving me information about my pet I was very satisfied with her.
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5

out of 5

POSTED: | BY: Bob

Great Company to Work With

The were able to reimburse me for my claim in a short amount of time. ASPCA Pet Health Insurance has been easy to work with over the past few years.
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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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