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.
1

out of 5

POSTED: | BY: Esther

For several reasons

For several reasons, I am unhappy with this service, one being a claims experience, the others being unable to speak to a representative without unimaginable hold times, and being redirected to folow up via on line, and then disconnected by a voice prompt, yes, during normal business hours as indicated by the voice prompt. The app that I had downloaded is useless, not to mention unable to upload to submit a claim, as I have attempted several times now and after receiving several errors, I have to give up. I have this service payroll deducted and signed up through my employer, but am so very disappointed in this service I am looking elsewhere for coverage for my 7 members of my family. Hearing the words of "we are experiencing an unusually high volume of calls right now", is not an answer or a solution.
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5

out of 5

POSTED: | BY: sher pasquini

I was placed on hold for three days in…

I was placed on hold for three days in a row and held for an hour.
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5

out of 5

POSTED: | BY: Linda middleton

Very nice and easy to apply and…

Very nice and easy to apply and affordable! I want to thank you for the peace of mind this gives me! THANK YOU SO MUCH!
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5

out of 5

POSTED: | BY: Monica Fetterolf

very good experience

very good experience
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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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