5
out of 5
POSTED: | BY: Aline
Great service
I am very pleased with the customer service and the ease of submitting claims.
4.5
out of 5
Number of reviews 12,063
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: Nancy
Thank God for my baby's insurance
I adopted Ashleigh AnnaBella when she was 10.2 years old. A sad little girl in need of a new forever home. Later she had problems with her teeth, and then thyroid issues. I am happy to have purchased insurance for her and my other cat. It paid for itself.
5
out of 5
POSTED: | BY: Mel Tucker
Always great customer service
Quick responses and great customer service. Claims settled in a few short weeks sometimes faster. Good coverage - I’ve never had any problem with reimbursement from them, and I’ve been with them almost 3 years now, I just keep renewing my policy.
4
out of 5
POSTED: | BY: Melissa
Helpful and responsiveness
ASPCA has always been responsive and timely in their response to claims. They have always been positive and friendly. I recently looked into another pet insurance company and realized it was far more expensive than ASPCA and it didn't offer anything additional.
2
out of 5
POSTED: | BY: Erica Nagy
Pre-existing condition opinions
I wouldn't say they are horrible because they have helped me through a lot of issues with my dog. The area I do not agree with is their "opinion" of pre-existing conditions. A dog that itches doesnt mean it is related to allergies. Could be mites, atopic dermatitis, a crawling insect, and so much more! When I adopted my dog he has some itchy skin. The vet did skin scrape and nothing abnormal was seen however we treated as if it was demodex and after a little while the itching resolved. Over a year later my dog developed itching so since I am in the veterinary field I chose to take him to a dermatologist. ASPCA said the "itching" was pre-existing. He was itching for a completely different reason. I appealed and the still determined it was pre-existing. Not much I can do but keep them because my dog will need another hip surgery soon and I cant go to another company because that really is pre-existing.
So all in all I should have gone with another company especially since I get a discount through my job for nationwide. Aspca wont give veterinary technicians a discount unless the actually work in practice, I work on the industry side. Not entirely happy with this insurance plan.
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.