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.
1

out of 5

POSTED: | BY: Emma

DON'T WASTE YOUR MONEY

DON'T WASTE YOUR MONEY. I got this insurance for my horse, and it's easily one of the biggest scams I've ever seen. My horse got a suspensory ligament strain as a result of an injury and they're refusing to cover a penny of my horse's diagnostic tests and any treatment. I've spoken with multiple reps who assured me that this injury and treatment would be covered; however, I was arbitrarily told it now won't be as they're considering this injury an "illness." I will promptly be telling every horse-owning soul I come into contact with to avoid this insurance like the plague. **EDIT** clearly they’ve responded with the generic: reach out if you’d like to talk more. I don’t appreciate this as I’ve spoken with multiple reps to great lengths about issues with this company and when I asked to speak to a higher up, I was told the person I was speaking to was the highest up person I could talk to. ASPCA Per Insurance does not care about their customers not their pets.
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1

out of 5

POSTED: | BY: Adam Cherry

Terrible Company that will avoid paying at all costs

Be careful, they will reject and review every claim and search back for years to see anything in the previous medical notes to reject your claim. I hate this company and would highly recommend NOT to buy this policy. Call me anytime to discuss 9545017755
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5

out of 5

POSTED: | BY: Carol M.

Quick, easy and affordable

Purchasing pet insurance for my pup was quick and simple through ASPCA. The choices were easy to toggle through to find the coverage/premium that fits my budget should the worst happen, plus there is partial coverage for regular vaccines and boosters. I feel like I’ve bought peace of mind!
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5

out of 5

POSTED: | BY: Kelly B. - NH

EZ sign up process

EZ sign up process, competitive rates. I have not made any claims to date, so cannot comment on that process.
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5

out of 5

POSTED: | BY: Steven Kuilan

Pet Insurance

1. Price is right ! 2. Great Benefits! 3. Easy to apply! 4. Excellent reimbursement !
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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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