4
out of 5
POSTED: | BY: Jerry Blackwell
EXCELLENT
Excellent, easy to file claims and quick to get paid.
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,145
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: Stuart
Glad I chose ASPCA to protect my dog
Outstanding coverage. Using the app is extremely user friendly and intuitive. I did a ton of research and am so glad we found great coverage with outstanding customer service.
1
out of 5
POSTED: | BY: Maxine
Insensitive and clunky
Very complicated list of coverage percentages, and there's a waiting period of 14 days which I believe to be inhumane. My dog had an emergency during that waiting period and when I called to inquire about the coverage they read me scripted responses and said they couldn't help. Then when I cancelled my plan the operator had the nerve to wish me well, as if any compassion exists in a company that literally won't help an animal in need when the owner is PAYING for coverage.
4
out of 5
POSTED: | BY: customer
Just one complaint
Just one complaint. I wish you would put the invoice number on my refunds. This way I can match them up to see what I got per invoice. Is that possible? Thank You.
5
out of 5
POSTED: | BY: Mollie
ASPCA insurance is great and would recommend!
I've had this insurance for my pom for at least a few years now and have used it every year since having it! Recently my pom had very expensive exploratory surgery and ASPCA was very quick to go over my claim and refund the majority of that money. I have recommended to everyone who mentions they want to get insurance for their pet.
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.