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.
4

out of 5

POSTED: | BY: M. Smith

User Friendly

The website made the sign-up process painless and I like being able to submit paperless claims. When I viewed my new account online, everything was clear, simple, and easy to understand. My only concern was understanding how the preventive care endorsement worked. It was a little confusing when I saw my Delarations page not to have that listed very clearly at the beginning of the document. I eventually found the "add-on endorsement" at the end of the document but I think mentioning it on the initial page that shows what you are paying would have made things clearer instead of combining the two items into one total. I was afraid I hadn't added it at first glance. I look forward to working with the company in the future. So far everything has been very user friendly.
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5

out of 5

POSTED: | BY: Foster Mom

Easy pet insurance

They made it easy to decide what and how much insurance to buy to fit your budget.
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1

out of 5

POSTED: | BY: Sabina Mamedova

ASPCA keeps charging without providing any services.

I can't express my disappointment. I've got a simple plan($44.03 monthly payment). ASPCA KEEPS CHARGING ME EVERY MONTH SINCE MARCH 18. And I can't claim anything because my pet’s status is inactive.
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3

out of 5

POSTED: | BY: Rossana Noggle

Where is my coverage card?

I only got an email and never received a coverage card. So I had to go back through my thousands of emails just to find my original email that stated my dog was covered.
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5

out of 5

POSTED: | BY: NICOLA ROGERS

Had a great experience so far.Wish I…

Had a great experience so far.Wish I had some sort of ins.card
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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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