ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,091

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: Monica

Was an ASPCA guardian member for years…

Was an ASPCA guardian member for years so when recently rescued 2 dogs who needed a home thought we would try ASPCA pet insurance. What a mistake. Of course, even though they had been fostered/in apparent good condition 3 yr olds, we needed to update vaccines, do wellness visits & do dental maintenance. We received small reimbursements for what was covered but when the vet discovered several loose teeth requiring removal it has been a nightmare of ASPCA Pet Health “Insurance”emails claiming they have not received my repeated supply of all medical records, even after I requested they reply as “received”and have sent them multiple times. On hold for hours on service line, never able to speak with someone. Recording says they are managed by large insurance companies and not ASPCA.
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5

out of 5

POSTED: | BY: Barbara

easier than previous pet insurance

easier than previous pet insurance. fast payment too. thanks
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3

out of 5

POSTED: | BY: Patricia E.

I haven't received no information on…

I haven't received no information on the insurance, no email nothing?
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5

out of 5

POSTED: | BY: Mekie

Great price and a very user friendly…

Great price and a very user friendly interface!
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4

out of 5

POSTED: | BY: Thomas Dublin

So far I've not used the policy so I…

So far I've not used the policy so I can't even tell you what I think about the policy
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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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