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.
3

out of 5

POSTED: | BY: Stacey

Claim time has gone from a 10 to a 1!!!!

Claim time turn over has gotten ridiculous.. what used to take one to two days is now on three and a half weeks.. I just can't pay my bill when I get to it because "things have changed"!!
5

out of 5

POSTED: | BY: Helene

Smooth and Easy

I adopted my fur-baby Neville from the ASPCA truck which was parked in front of Petco in NYC. He has been the joy of my life, more loving and affectionate than any pet I''ve ever had, and I assumed it was due to the loving care that the ASPCA gave him. I decided to buy their Pet Insurance, to thank them for The Wonder That Is Neville. It was a smart move, because one day after Neville's One Year Birthday, I found him hiding and acting out in pain from a hip fracture. He had to have surgery by an orthopedic surgeon at a special emergency facility, and the cost was staggering ! I was afraid to start the process of a Claim, fearing it would be very complicated. I called their customer service line, and spoke to a very kind and patient agent, who answered all my questions. She made it very easy for me, and off my Claim went. I am very pleased with the way I was kept informed. They sent me 3 E-Mails.....one to let me know my Claim was received, one to let me know the Process was underway, and a third to apologize for the process taking a little longer, due to the CoronaVirus. A few days after that, I was notified of the Resolution.....I am being awarded the FULL maximum amount that my plan provides....$5,000 ! I called Customer Service again, to ask if the payment could be deposited automatically into my checking account, and the young lady, just as sweet and kind as the last one, set it up to do just that. I couldn't be more pleased. Thank you, ASPCA
1

out of 5

POSTED: | BY: Smoochie Smooch

TRASH!!!

TRASH!!!! ASPCA is separate from Crumb and Forrester (the real owners of this pet insurance company). I enrolled before experiencing any issues with my pet. Lucky thing because I am having the HARDEST time getting in contact with ANYONE there! What if I had an emergency? For anyone who does not want to waste their time or monies, DO NOT USE THIS PET INSURANCE COMPANY! And if you choose to use it, good luck (you are going to need it)! **Update** I finally received a call from them on 15 Jul 2020. Representative apologized stating they were extremely busy.
5

out of 5

POSTED: | BY: Yona

Always Responsive and Supportative

My wonderful girl has had quite a few expensive medical emergencies. We would have been lost without the insurance, I have found those I have spoken to to be helpful and supportive. The claim procedure is clear and simple.
5

out of 5

POSTED: | BY: Luan

Excellent service

We have been very pleased with our relationship. Excellent customer service.

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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