ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 10,598

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 3
  • 58
  • 10,598
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: Kimmie Haley

I really like the company and what they…

I really like the company and what they have to offer. The thing I don't like is having to pay for service ahead of time that is supposed to already have a credit amount. I understand the money is reimbursed but I feel the deductible should be like that, not the rest. Other than that, I like the rest so far.
3

out of 5

POSTED: | BY: RandR

Submitted our first claim in August and…

Submitted our first claim in August and continue to get the "Sorry for the delay" message. Times like these, when funds are tighter, its hard to shell out big bucks for vet care and have to wait weeks for a refund, yet they don't hesitate taking their premiums. Not sure what else I think of this insurance.
4

out of 5

POSTED: | BY: Alexander Barkis

Easy to navigate packages are concise

Easy to navigate packages are concise, and fair, a no brained.
3

out of 5

POSTED: | BY: Johanna Simon Roscoe

Just signed up

Just signed up, no opinion yet.
4

out of 5

POSTED: | BY: Patsy Warlock

Gave me choices

Gave me choices. But I am confused about the deductible and was not able to get the matter resolved.

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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