ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,188

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: Dean Evans

Our family cat had a medical emergency…

Our family cat had a medical emergency and was vomiting blood and we had her covered by ASPCA. The vets were telling us it was medically necessary to keep her overnight and xray her. After providing all requested medical records which proved no prior medical issues, they flat out denied. UNBELIEVABLE! Warning do not spend you money with ASPCA or Fireman's Insurance. We need a class action against them for denying legitimate claims. I am honest and this was a medical emergency, my wife as a RN and I have EMT training a vet at 1AM saying it's an issue and them denied says enough. I'll take my pets and $1300 year premiums elsewhere.
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5

out of 5

POSTED: | BY: Gustavo

Claims are processed quickly

Claims are processed quickly, and I’ve always had a smooth experience with them
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5

out of 5

POSTED: | BY: Renee Bou

The claims are easy to file

The claims are easy to file. Their response was quick and friendly and professional. And the refund was speedy. They were very helpful if I had any questions.
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5

out of 5

POSTED: | BY: JM

Best Health Care

Having ASPCA Pet Insurance helps me concentrate on getting the best health care for my 4 legged babies without worrying about how much it's going to cost. I get a 90% reimbursement for my expenses at the vet.
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1

out of 5

POSTED: | BY: Leticia DePriest

DO NOT USE THIS SHADY INSURANCE…

DO NOT USE THIS SHADY INSURANCE COMPANY. They will deny every claim even in urgent situations. There is 14 day waiting period which they don't disclose. They are only out to get your $ and provide shitty service and no insurance when one needs it most.
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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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