ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,329

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.7
  • Count
  • 9
  • 38
  • 11,329

Updated: November 13, 2023

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: Lyra Wang

pretty bad

pretty bad, not clear in the claim instructions. pretty much everything is declined and not able to unsubscribe easily.
1

out of 5

POSTED: | BY: Kat Stewart

My dog was just diagnosed with cancer

My dog was just diagnosed with cancer, I took her to doctors for anal infection was told than she has cancer, i cant explain how it felt in words my world fell apart, I then filled a claim with ASPCA my Insurance Company only to be told my claim is denied, with no explanations on why, this insurance Co is one of the worst Companies I have ever dealt with id think twice on getting insurance thru ASPCA
1

out of 5

POSTED: | BY: T W

Warning: Do not buy insurance with ASPCA.

I’m a very reasonable consumer. I don’t leave irrational reviews based on emotion. I can say this company is terrible. I’m actually embarrassed I fell for their marketing and fake reviews and purchased “insurance” from them. ASPCA has sold its name to a third party provider and they’re pathetic. Do yourself a favor and buy insurance from ANYONE other than this company.
1

out of 5

POSTED: | BY: Gwen Huls

ASPCA clearly advises customers that…

ASPCA clearly advises customers that they do not cover pre-existing conditions. Buyer beware! The ASPCA Pet Insurance Company would not pay for a veterinary visit that required antibiotic treatment even though the visit occurred past the “designated period”. In other words, you pay monthly premiums until there is enough money in your account to cover your bill. Be very cautious of this company. Put money in a savings account. The bank won’t deny your claim. Waste of money, in my experience.
1

out of 5

POSTED: | BY: Kaylee Nelson

DO NOT USE THIS PET INSURANCE

DO NOT USE THIS PET INSURANCE. it's a scam and they swindle money from you. They will sell you on a rate and then continuously increase it every year even if you don’t file claims. I am now up to $75/monthly. That cost more than my human insurance. I have paid more for pet insurance monthly to this company than they have ever paid back to my dog. Even now, I can put my pet’s information into their website and they will offer a lower rate than what they are charging me monthly. When I asked customer service about this they continued to lie and say the lower rate was not available for 2024. They are fine with offering a new customer this rate, but not an existing customer who has a 100% payment history. Even for the 1 claim I did file in the last year, they did minimal effort to communicate with my veterinarian office. I had to make multiple phone calls and it took months to get paid out for the single claim I filed in my pat's lifetime. Every time you call, you will get a new person. I wish I never chose this insurance company from the start.

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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