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: Heather Darger

No communication - JOKE OF A COMPANY

No communication, no emails with policy number and no response when you want to cancel. Joke of a company. BUYER BEWARE don't waste your time. I will probably have to file through my credit card claim to get my money back for no services rendered after purchasing. Website faulty , app not able to log in and glitchy. You know it's bad when you wait on hold for 20 min for the customer service rep to say sshe doesnt know why the email is still not sending. After saying something is wrong with their website and to try the app, but if that isnt working to just cal back. Pass - how is the even considered an option for people?
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1

out of 5

POSTED: | BY: Anon

Can't reach a human being

Can't reach a human being. This is a scam.
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3

out of 5

POSTED: | BY: Danielle Pearce

Signing up was easy

Signing up was easy. Setup was easy. Filing a claim with easy. Unfortunately it's been almost over a week since I filed some claims and they are still stuck in processing. So don't expect to get reimbursed in a timely manner. It's really frustrating.
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5

out of 5

POSTED: | BY: Suzanne Lane Orr

Wonderful

When I took Lexi for her first vet visit they gave me information about pawlicity pet insurance. I went to the web site and it was really easy to start. I ended up chosing ASPCA as they had the best options for Lexi and I. Hopefully I will not have to use it except for minor things like teeth cleaning etc.
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1

out of 5

POSTED: | BY: Emi

Read the fine print or they'll screw you.

They hide a 14-day waiting period in the fine print so that you think your coverage starts on your start date. It doesn't. Our dog was diagnosed with a recessed vulva 13 days after our coverage start date and we had to pay for her surgery out of pocket and will never be able to be reimbursed for anything regarding her diagnosis because it fell within the 14-day waiting period. You would have had to read the entire contract to find that clause. Incredible immoral.
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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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