5
out of 5
POSTED: | BY: Frank Quakenbush
Easy claim process
Easy claim process
Read more on Trustpilot
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: LB
Affordable & So Kind!
User friendly web-site to register for Pet Insurance. For over 10 years, ASPCA has been very affordable for my pups! When my 5 year old Doberman was diagnosed with Cancer, ASPCA was AMAZING with helping cover his Chemotherapy.
1
out of 5
POSTED: | BY: Snyder
Cancelling service is difficult
Cancelling service is difficult. I am unable to do it through the app and writing it in email was insufficient.
5
out of 5
POSTED: | BY: Mauri Reizes
Easy to file and process quick
Easy to file claim form and form was easy and won was clear. Refund very wuick
1
out of 5
POSTED: | BY: C P
DO NOT TRUST- very slow at responding and refuse to pay
DO NOT TRUST! They will find million excuses not to pay and blame pre-existing conditions even without actual proof.
Extremely disappointing and frustrating experience. My claim was denied based on broad, generalized statements rather than a clear explanation supported by the actual veterinary records. I repeatedly asked the company to identify the evidence supporting its denial of each procedure, but those questions were never answered.
Consumers deserve claim decisions that are transparent, evidence-based, and fully explained. I did not receive that. Also EXTREMELY long time to receive a response (months) but mostly there is ZERO response at all until you email/call multiple times. As for their ASPCA support: tiny, just for shows. This is an insurance company, not a "let's help animals" 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.