ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,065

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: John Tabb

I love the foundation

I love the foundation. Who wouldn't, who couldn't. Unless you are the epitome of narcissism, the prelude of becoming a serial killer or just a plain hater of all that represents kindness and the practice of empathy towards that which cannot "fend for itself" at no fault of it's own ......then there is no excuse to rate this organization anything but 5 STARS plus. I find animals, of all kinds, a far better species than man and the ASPCA the greatest representatives of that species in all of mankind. And the insurance? Who else is there? You go to the experts on what your insuring....this case it's my little boy.
1

out of 5

POSTED: | BY: Denise Boehler

they deny claims based on speculative information

We don't know exactly when a serious illness began with our dog, but Crum & Forester denied a claim of over $4,000, just under our policy limit, based on speculative information from several different veterinarians as to when the illness began. They are comparing symptoms experienced later with earlier to claim this was a pre-existing condition and thus a basis for denying the claim. It took 3 months after submitting the claim and chasing them for reimbursement. After contacting them again this morning, I was told we would not be receiving reimbursement and that they had determined based on what they felt were similar symptoms that they would be denying the claim. This is bad faith, the Colorado insurance commission will know about it.
4

out of 5

POSTED: | BY: Valued Customer

the coverages were so close to other…

the coverages were so close to other insurances it was really hard to choose
5

out of 5

POSTED: | BY: Kai

Very quick and easy

Very quick and easy to get insurance for my pets!
4

out of 5

POSTED: | BY: William Bickett

Thank you

Thank you we hope this will be helpful

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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