5
out of 5
POSTED: | BY: RAYMOND
Best Insurance for pet dogs
LOOKING FOR COVERAGE FOR MY DOG
4.4
out of 5
Number of reviews 12,254
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
5
out of 5
POSTED: | BY: Dale
Pets claim made easy
Cover my pet as the policy aloud,
Payment back was rater quick a b d deposited to my bank account.
5
out of 5
POSTED: | BY: Karen Murdock
I like how I auto pay and keep
I like how I auto pay and keep. paid so Buddy has coverage
1
out of 5
POSTED: | BY: Denise Cummins
ASPCA covered a fraction of our dog’s surgery bill
Our dog developed two cysts on her tail and hip, and one of them burst. She had to have surgery to remove them, and luckily, they were non-cancerous. The bill came to about $4K, but ASPCA covered less than $1K of the vet bill. Their explanation was that the cysts were “pre-existing conditions” and “your plan renewed in December of last year”. None of it made sense. We’ve had ASPCA insurance for our dog since 2018, and this was our first major claim. They’ve obviously written these policies in ways that allow them to stiff their customers when they most need help covering expensive vet bills.
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.