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.
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! All claims are considered pre-existing. This company is a scam. Save yourself some money. Stay away from ASPCA! The ASPCA Pet Insurance Company does not insure pets for any conditions for a “designated” point of time. However, the company can choose to extend its waiting period, based apparently on their availability of funds. Be very cautious of this highly advertised company. It smells like a scam.
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.
1

out of 5

POSTED: | BY: EA

If you love your pet, run away from ASPCA

If you love your pet, avoid ASPCA Pet Health Insurance like the plague. Classic bait and switch selling points where they make signing up a breeze, and then cover absolutely nothing. I'm not talking about complex conditions, literally anything we ever claimed was denied. Why? No one could properly explain it. Just a horrific experience. We've had lots of pets over the years and lots of insurance and we've never had an experience as horrible as our time with ASPCA. And to clarify, this is about ASPCA Pet Health Insurance (despite their comment below that condescendingly thinks I might be confused and am leaving a review that mentions "insurance" multiply times about a different organization)
1

out of 5

POSTED: | BY: Linda Wilson

Do NOT waste your money on this…

Do NOT waste your money on this company. I had a Precious Shihpoo who passed away this morning from congestive heart failure. He was 11. I bought health insurance for him as soon as we got him but were very careful only to use it when absolutely necessary because we knew we would need it when he got older. Were we wrong!!!! When we had his first episode last month, I submitted a claim for over $2000 which was quickly denied. Their reason was that he had a congenital condition. I asked them how they knew he had a congenial disease and not age related since they had no tests from when he was young. Their response to this was that when they were writing the plan, they considered all the diseases that "might"be congenital and excluded them from coverage. We are furious. Please learn from our mistake and DO NOT WASTE YOUR MONEY ON THIS COMPANY.

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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