ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,092

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: P

Scam

ASPCA pet insurance is a complete scam, and I hope I can forewarn fellow pet owners. I took my cat to the vet, he was diagnosed with a UTI, and the bill was quite expensive. He had never had a UTI before. This was the first time he had ever been sick, and certainly the first he had ever been diagnosed with anything at all. But because a note from the vet, 5 months ago, mentioned that he was drinking a lot of water, they decided that this was an early symptom of a UTI, and that it was therefore a preexisting condition. Long story short, if your pet has ever been to the vet before, for any reason at all, including for an annual physical, they will pretend that whatever illness they later develop is a preexisting condition and they will not cover one cent. I wish I’d known this before paying hundreds of dollars in monthly premiums.
5

out of 5

POSTED: | BY: Denise T

A Very Happy Customer!

It was very easy to set up an account for my fur baby! It is much more affordable than other pet insurance companies. I'm very happy with my choice!!
5

out of 5

POSTED: | BY: Vicki Brown

The ASPCA Pet Health Insurance has…

The ASPCA Pet Health Insurance has covered all the bases when it comes to Health insurance for pets and has done so with flying colors. It is perfect. Only way that the company could improve would be to have it free!!!! Perfect!!!!
5

out of 5

POSTED: | BY: customer

Easy and transparent process

Easy and transparent process
5

out of 5

POSTED: | BY: Kimberly

It’s a just in case we need it but we’re glad we have it

Honestly we had shopped around with our pet insurance and we liked this one the best as everything was broken down in to clear what was covered and what was not so we were well aware of what was included and we are happy knowing we have peace of mind that just in case something happened to our little guy we have insurance and also that we can take him to any vet that’s a huge plus and we have also an ease of submitting the claims we heard other stories at other companies who had made it extremely difficult to submit or didn’t honor the claim so we are glad overall that just in case we’re covered!!

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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