4
out of 5
POSTED: | BY: Ilona
Good value for the price but
takes very long to get reimbursed
4.4
out of 5
Number of reviews 12,250
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.
5
out of 5
POSTED: | BY: Phyllis
Good insurance; easy to fill out form, payment comes in timely manner.
See above
5
out of 5
POSTED: | BY: Carolyn
Simple and easy claim submission, friendly and responsive customer service!
Completely satisfied with the quality of coverage, ease of claim submission, and no-nonsense timely processing of all claims. Customer service is friendly and helpful if you ever have a question. I wish my human health insurance was this simple and straight-forward!
5
out of 5
POSTED: | BY: Eileen
Very easy to file a claim.
Claims are easy to file, and the responses are timely
5
out of 5
POSTED: | BY: Rachel
I wish that I had this insurance earlier and for other pets
I shopped 5 different pet insurances before I went with ASPCA. They had the best value for the coverage. It's not the cheapest, but that is because I needed more coverage for my senior cat. The claims are easy to file if you have an electronic receipt from your vet and they pay back claims with direct deposits or check. Super easy and efficient. Too bad human health insurance isn't this easy.
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.