ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,862

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.
5

out of 5

POSTED: | BY: Scott Redmond

The customer service representative was…

The customer service representative was very helpful and knowledgeable she was very helpful.
5

out of 5

POSTED: | BY: IPQ

Claims processed quickly.

Claims processed quickly.
2

out of 5

POSTED: | BY: Cynthia Mccarty

I’ve been with ASPCA never a problem I…

I’ve been with ASPCA never a problem I made typo on percentage return they didn’t want to make the correction because they would have to re submit policy sorry for your inconvenience Customer Service and was told to change it next year for re enrollment 😵😫😱
1

out of 5

POSTED: | BY: B H

HUGE RATE INCREASE AFTER 2 YEARS!

Got a 2 year old healthy GSD rescue. Have had insurance for two years (he is now 4 years old) and without any notice see the auto charge go from $53 to $80. That is a 33% increase with no claims. Be prepared that by the time your animal is getting older you will be paying THOUSANDS a year for insurance at this rate of increase. I DO NOT RECOMMEND THIS COMPANY. Put the premium you would pay in a savings account for your fur baby!

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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