5
out of 5
POSTED: | BY: Karen Chandler
Pricing was good and reviews were near…
Pricing was good and reviews were near perfect
Read more on Trustpilot
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: Guillermo Flores
Extremely disappointed. Not worth it. Just a scam! Better off to save your money.
Extremely disappointed. I cannot reach anyone on the phone for months to the point where I just give up. I understand that there are limits to what the insurance covers, but this company actually considers any conditions my pet has had in the past year a pre-existing condition, mind you, I have had this policy active for almost two years now. What a way to weasel out of actually helping pet owners cover the costs. Two months ago I submitted two claims where I paid more than $1,000 for my dog's vet visits (part of that was an allergy test to find out that my dog is chronically allergic to almost everything!) and I got a pitiful $34 reimbursed, on top of the $93 every month (22 months now) I am paying into the insurance. I feel like I would have actually saved money by not having this so-called "Insurance" after all. Even worse is that this provider is not even run by the ASPCA themselves (an actually good organization), but by Crum and Forster Insurance Group which only purchased the rights to use the name of ASPCA. Long wait times for claims, pitiful reimbursements, considering anything from last year's coverage period now a pre-existing condition, and on top of that, I can't even talk to somebody over the phone due to "higher call volumes" or whatever excuse they have. I would expect that with all the money I (and other pet owners) am paying that they could at least hire more staff to handle the call volumes, but apparently they don't hire anybody at all. What is the point of having insurance if it won't actually help you when you need it? I still am expected to pay the full price upfront for any and all medical needs for my pet, including accidental injuries or illnesses. What option is there for somebody who cannot afford the upfront costs for an unexpected emergency with their pet? Just let them suffer or die? Awful company, awful communication, awful excuse for "insurance", awful coverage, and overall waste of money that feels more like a scam than peace of mind.
3
out of 5
POSTED: | BY: Cynthia Gray
Not fair for me to rate because I just…
Not fair for me to rate because I just signed up for the insurance. Compared to other policies I checked out the cost is reasonable, the deductible is reasonable and to get 80% coverage. Once I place a claim I will update my review.
5
out of 5
POSTED: | BY: Joseph lewis
this is a new policy for bud
this is a new policy for bud, i have not had to seek any medical care at this time.
5
out of 5
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 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.