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: Suz

AVOID!!!

Avoid ASPCA at ALL costs! They are quick to deny anything they can as "pee-existing". They are underwritten by Crum &, Forster, which should say a lot right there. They claims that testing for an ear infection is related to anal saculitis! What??!!?? Don't believe all the 5 star reviews. They are written by their employees. Read the BBB reviews and Yelp reviews. One of the worst companies out there. Actually, to be truthful, ALL pet insurance is a SCAM. They see pets as "property", NOT family. They're in the business of sucking us dry of our money and then denying claims. It is supposed to give us a peace of mind. It has been nothing but stress instead. Please do your research and avoid ASPCA!
1

out of 5

POSTED: | BY: Jessica

Bad service

no Chinese customer service, no service staff, no professional insurance project explanation, no one to change the insurance system, and even only an email notification will reply me! No contact so far! I’ve never encountered such a bad insurance company!!. Comments are important? ! Isn't the service important?
4

out of 5

POSTED: | BY: Evelyn Hester

I just wish you ofered senior citizen…

I just wish you ofered senior citizen discounts. It's not easy living on social security.
5

out of 5

POSTED: | BY: Troy

Claims handled with complete professionalism

We have paid for pet insurance for both of our dogs for a few years. We recently actually had to use it on one of our pets a couple of times in a matter of a week and was not looking forward to submitting the claims to ASPCA for a refund as there are stories of other companies denying claims and not paying. This couldn't be more inaccurate for ASPCA, I submitted the claims and within 2 days had the refunds deposited into my checking account. I can only say I have been more than pleased with the service I received.
5

out of 5

POSTED: | BY: David Jeon

ASPCA delivered efficiently the…

ASPCA delivered efficiently the insurance money I was intended to receive in a timely manner of just a few days from when I put in a claim. The process was quick and simple as I’m a first time pet insurance owner and every pet owner should have coverage!

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.

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