ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,095

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: amira simmons

HORRIBLE EXPERIENCE

HORRIBLE EXPERIENCE I REGRET EVERY PENNY I PAID WITH THIS COMPANY. MY RECOMMENDATION IS TO NEVER CONSIDER THIS Insurance COMPANY THEY DONT RETURN YOUR REFUND AND FIND OUT WAYS TO NOT PAY YOU..THEY DONT COVER DEWORMING NOR FLEE . THEY REFUSED TO REFUND ME CAUSE I HAD MY DOG GOES TO THE VET FOR A CHECK UP ON THE 14TH DAY ...SEIRA.W WHO IS THE SUPERVISOR IS VERY DISRESPECTFUL SHE CUT ME OFF..PUT ME ON HOLD FOR OVER 30 MIN THEN HUNG UP WHEN I CALLED BACK SHE REFUSED TO TALK TO ME HERE IS AN EXAMPLE OF THEIR FRAUD..READ IT AND WILL SEE THAT THEY ARE RIPPING OFF THEIR CLIENTS. Accident and Illness Illness 11/18/2019 Cerenia Injection $47.66 $0.00 51 Accident and Illness Illness 11/18/2019 Cefpodoxime Proxetil 100 mg $12.75 $0.00 51 Accident and Illness Illness 11/18/2019 Fecal Test $64.50 $0.00 51 Accident and Illness Illness 11/18/2019 Medicated Shampoo (prescription) $15.69 $0.00 51 Wellness Wellness 11/18/2019 Heartworm/Flea Medications $26.25 $0.00 1 Accident and Illness Illness 11/18/2019 Parvo Test $58.00 $0.00 51 Accident and Illness Illness 11/18/2019 Examination $25.00 $0.00 51 Accident and Illness Illness 11/18/2019 Tax/Medical waste $1.37 $0.00 51,50 Total $251.22 $0.00 Plan Deductible $0.00 Subtotal $0.00 Percent Covered by Insurance 90.00% Amount Paid by Insurance $0.00
5

out of 5

POSTED: | BY: Mary

Best thing I ever did for my pet

ASPCA is the best, no hassle insurance for your pet. Well worth the money. Representatives are always there to answer questions always friendly and helpful and you file your claims add the proper paperwork and the reimbursement is deposited right into your checking account.
4

out of 5

POSTED: | BY: ROSE

CHOOSING ASPCA PET HEALTH INSURANCE

Customer service was excellent and filing a claim online and direct deposit made things simple. Aspca has updated its insurance policy to include a special monthly fee for wellness visits. I thought this was a good idea. Where you live does play into what the insurance will pay back. If you live in a middle class or affluent area, vet prices are much higher than what the insurance base will pay.
5

out of 5

POSTED: | BY: Clyde

Great company. Made top noch health care available for my poor doggy

Very pleased with this insurance. Unfortunately my dog got sick and required several visits to the vet. This took all the stress out of the experience making sure my dog got the best of care. Reimbursements were made within 2 or 3 weeks which is fine.
5

out of 5

POSTED: | BY: ANDREW

Best insurance for your pets

I have used some other pet insurance products that did not cover things as needed. I have never had an issue with the ASPCA processing my claims for my cats.

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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