ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,140

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: Riviya

I would give them a zero if I could

I would give them a zero if I could. Beware, if your dog gets sick in January and your plan renews in Feb. that illness is considered a pre-existing condition and will not be covered at all. They did not cover a hip problem that was considered an issue with the breed, so no they didn't cover my dogs hip surgery 10 years ago. Now in the last year of my dogs life the insurance is useless. Mind you I have been paying for years, even as the premiums doubled. I thought I was buying security if and when he got ill. I was wrong.
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1

out of 5

POSTED: | BY: Roni

Terrible

Terrible. Customer service - You wait for hours and hours on the phone, just to get a very bad cusomer support They are doing their best not to pay for your pet treatment when you need them. after paying them over a 100$ a month, for two cats, they claimed that my pet has a pre-existing condition. No matter that I appealed, with a letter from my vet (!) saying my cat is 100% healthy, no issues, whatsoever! they still claimed they will not cover, just to make sure they don't have to pay in the future. I suggest you never ever get close to ASPCA pet insurance, it's as bad as a scam!!
1

out of 5

POSTED: | BY: Roni Axelrad

A terrible experience

A terrible experience They have terrible customer support, you can wait for hours and hours on the phone! there's no other way to contact them, and above all, they do their best to not cover your pets, trying to find excuses or lines in the medical history in order to avoid payment. after months of paying premiums, this is feel like a scam! I recommend not to even think about getting their pet insurance.
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5

out of 5

POSTED: | BY: John Gonzales

To God be All the Glory.

To God be All the Glory.
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5

out of 5

POSTED: | BY: Christina Stout

Very easy to get horse signed up for…

Very easy to get horse signed up for insurance
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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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