5
out of 5
POSTED: | BY: Anthony Benson
Amazing
Great insurance coverage
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: John
Quick reimbursement by ASPCA Pet Health Insurance for unusual diagnostic and surgical procedures that saved my cat's life.
My female cat was producing unusually strong smelling urine, had no appetite, and was increasingly lethargic. My brilliant vet theorized it had something to do with the pituitary gland, so she did an ultrasound and found a mass adjacent to the gland. But because of the density of nerves and blood vessels she need a "better picture" before operating. An ultrasound specialist with equipment that provided higher resolution--at higher cost--was engaged, showing a tumor that was next to, but not attached to, the gland. The vet did the surgery, removing the tumor--which was malignant--and my cat recovered quickly. She is still doing well (knock on wood). The insurance provided through ASPCA paid 80% of about $2500 in medical bills associated with this claim. They dealt directly with the vet for any detailed information, and sent the reimbursement directly to my checking account. After this experience I immediately enrolled my younger male cat in the ASPCA plan...and a good thing too, he recently had to have surgery on his ear and the claim was again paid expeditiously. I can easily recommend this insurance!
5
out of 5
POSTED: | BY: Jennifer Palmer
Should have gotten it sooner. Excellent coverage
I would highly recommend this pet insurance. Easy online filing claims with a screen shot of vet bills. Couldn’t be easier.
5
out of 5
POSTED: | BY: Scott
Easy, no fuss, no arguments
Would recommend
5
out of 5
POSTED: | BY: Vicki
Great Insurance
This insurance was a great choice for us. We checked other companies but none offered the same benefits. We have been very satisfied with the way in which ASPCA Insurance has handled our claims. Would definitely recommend it others, in fact we already have.
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.