ASPCA Pet Health Insurance
62 Customer Comments & Reviews - see all comments
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The ASPCA is a non-profit organization in the US with the mission to prevent cruelty to animals.
In 2006, as part of a strategic partnership with the ASPCA®, C&F Insurance Agency, Inc. launched ASPCA® Pet Health Insurance.
The agency is based in Akron, Ohio, and was founded in 1997, making it the second oldest pet insurance provider in the United States.
Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).
ASPCA Pet Health Insurance program features customizable plans that reimburse 70%-90% of covered vet bills, and the option of an unlimited annual coverage limit.
In 2006, as part of a strategic partnership with the ASPCA®, C&F Insurance Agency, Inc. launched ASPCA® Pet Health Insurance.
The agency is based in Akron, Ohio, and was founded in 1997, making it the second oldest pet insurance provider in the United States.
Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).
ASPCA Pet Health Insurance program features customizable plans that reimburse 70%-90% of covered vet bills, and the option of an unlimited annual coverage limit.
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This is one of the WORST insurance ulcers to have your animal health and welfare represented coverage. My Rottweiler had allergies from birth....In writing my plan I stated he had allergies. Every health issue he had...They denied coverage and stated it was related to a pre-existing condition....He scathed himself above his eye and it got infected and his eye swelled up like a marble....DENIED due to pre-existing condition....DX: Acute Infection above eye....How can ACUTE be pre-existing....Wouldn't that be Chronic Infection???.....Next Denied Claim- Left Ear Infection....DX: Acute Ear Infection of the Left Ear.....DENIED due to pre-existing condition....Geneo never had an ear infection in... Read More
9 People found this helpful.
BUYER BEWARE!! ASPCA Pet Insurance does not offer "continuing care" for many pets. When my cat was diagnosed with cancer after being with them for years, they stopped covering any related care after a year. ASPCA Pet Insurance abandons you and your pets when you need them most just to line their pockets.
8 People found this helpful.
Owners should be advised that ASPCA only covers insurance for pets up to the age of 12. I was not told this when I took insurance out on my pet when he was 3 months old. I am very disappointed in the Company for not informing me of this fact, as not insurance for a 12 year old dog is much higher with other insurance companies. Also, I was disappointed in the fact that they paid very little for claims submitted to them.
8 People found this helpful.
I submitted my first claim a month ago. I call and keep getting told there is a backlog and will take 4-6 weeks. If I did not need insurance to be reimbursed for a claim, why would I faithfully pay my girls premiums. I would just pay her bill. This is very unprofessional. Now that I have gone to Yelp, I see I am one in a crowd of dissatisfied customers. I will be looking for a more professional company I can rely on. I will also be discontinuing my donations to the ASPCA, as will be my roommate. I now wonder where people's donations go if this small part of the organization cannot be run adequately.
8 People found this helpful.
Their policy is that they pay for diagnose and treatment competed in the same coverage year. I've had coverage on my 2 RRs for 6 years. This past year they tried to deny coverage on cancer treatment because the diagnosis was made before my coverage anniversary date and the treatment was completed after the anniversary date.
8 People found this helpful.
Let me you about my experience as a loyal ASPCA Pet Health Insurance policy for 11 YEARS. I was just bullied and threatened by an agent/underwriter. I called asking about coverage benefits for my dog "who is 11, pushing 12, and not getting around as well as normal.” I was told that my dog would have a preexisting condition and therefore ineligible for alternative care. I asked what preexisting condition. The AGENT - NOT the VET - then diagnosed my dog as "arthritic." I countered and said that the dog has NEVER EVEN been seen for ARTHRITIS. The agent/underwriter then made a threatening statement and said that I had admitted my dog wasn't moving around as fast as normal and that the... Read More
7 People found this helpful.
My dog is ten years old and has a diagnosis of cancer of the liver as of July of this past year. My policy expires 2/1/19, thusly the ASPCA Pet Insurance has decided that effective 2/1/19 they consider the cancer a pre-existing condition and will no longer cover anything related. They had the audacity to say if she is cured they will cover it in 180 days. Oh my goodness, is that ever ridiculous! I would and have told all my dog park friends to stay clear of this organization and find a different pet insurance plan. PS I cancelled it - as what good is having a insurance plan if nothing, at this point, will be covered.
7 People found this helpful.
Do NOT waste your money with this insurance company! I paid for years for my two dogs, and when one of them got sick they only paid a minuscule amount. The next calendar year they stopped paying altogether, as they then considered it a "preexisting" condition. Biggest rip-off ever!
7 People found this helpful.
Having a pet currently insured with ASPCA, the reviews claiming ASPCA considered prior year conditions as pre-existing and therefore not covered, shook me up. I called ASPCA and was told that ASPCA at one time did in fact consider prior year conditions as pre-existing, but has since changed their policies so that this is no longer the case. I take it that whether or not prior year conditions are considered pre-existing depends on when your policy was issued. Reading my policy, I cannot see how ASPCA could withstand a legal challenge of such a policy. I have requested and am waiting for something in writing from ASPCA to clarify this issue.
6 People found this helpful.
This insurance is a scam, just like most insurance. They claim fast processing? BS. If you submit all documentation with vets notes, you are lucky to get reimbursed in a month, They advertise "reimbursement in minutes with our app", a total fabrication. Then they claimed a preexisting condition wen no vet at any point diagnosed the problem. They refused to pay a claim because of that, and I had to appeal (another 30 day wait) to see if I'll get my benefits. Like all insurance companies they are total phonies. They give you nice talk, polite conversation, pretty pics of dogs and cats, and then tell you to go pound sand. In a year when you renew anything your dog was treated for becomes... Read More
5 People found this helpful.
Our Partner
Covers Exam Fees + 10% Multi-Pet Discount
- Up to 90% Cash Back at Any US Vet
- Complete Coverage, Accident-Only & Preventive Care
- Behavioral Issues, Dental & Hereditary Conditions
- Customizeable Plans to Fit Your Budget
The organization's flagship plan, Complete Coverage®, features annual benefit caps of $5,000 up to unlimited, as well as no per condition caps or special caps for eligible congenital and hereditary conditions.
ASPCA Pet Health Insurance program also has Accident-Only coverage and Preventative Care Coverage options for an additional cost.
The online quote process is user-friendly and easy, but customers should understand that their premium will ultimately be affected by factors such as their pet's breed and age, as well as their physical location.