ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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.
3

out of 5

POSTED: | BY: Disappointed

Excessive hold time; agents not familiar with policy terms.

I had questions about their policy. Hold time to ask an enrollment question was about 30 minutes, and this isn't even for their claim department. Good luck if you have a claim and need to speak to someone about it! Also, once I was able to speak to an enrollment agent, the agent was unable to answer policy specific questions. She said I have to enroll first, and then I will get a copy of the policy after I enroll. That sounds counterintuitive. Most people would rather know what they're getting before purchasing.
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4

out of 5

POSTED: | BY: Joe Meny

I just got the insurance for our dog

I just got the insurance for our dog, Roscoe. Haven't had to use the insurance yet, so my rating is simply based on the information that I read that convinced me to sign-up. Is there an insurance card that I will be getting?
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5

out of 5

POSTED: | BY: Luz Maria Contreras

Quick and Easy to sign up

Was very easy to sign up, the site was easy to navigate and most questions could be easily answered when getting quote.
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3

out of 5

POSTED: | BY: Leanne Butterfield

I really don't know how to rate you…

I really don't know how to rate you yet. I just started the insurance plan. So at this point I don't know.
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5

out of 5

POSTED: | BY: Kathy Johnson

Best One

Easy Simple to register, and sensible rules are clear cut. I have had other pet insurance, they felt inconsistent and constantly have to explain why a disorder was not part of another diagnosis.
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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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