5
out of 5
POSTED: | BY: Candy McDanal
Quick and friendly
When we have met our deductible, we get quick and friendly reimbursement
4.5
out of 5
Number of reviews 12,062
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: Dolores Lopez
Great Insurance provider and customer service
ASPCA Insurance was recommended to us by our veterinarian. We have used their services for two of our cats over the years. When one of the carriers they use was no longer available to us, they called and quickly found another carrier for us to switch to. It's very easy to submit claims online and the direct deposit feature is wonderful.
5
out of 5
POSTED: | BY: Laura Hanrahan
Just sign up!
I hemmed and hawed about which pet insurance company to go with. Due to per medical condition coverage limits and $50 per incident deductibles as well as coverage exclusions I wasn't going with this company. My friend and I basically made a spreadsheet, read reviews, etc.
Coverage for exam fees was important to me. I work at an emergency/specialty vet hospital and the exam fees start at $175. I did not want to find myself in the position of having to choose between taking my dog to an ER/vet vs. worrying at home. Too many times I've seen sad outcomes when owners have waited due to financial concerns. Two fellow employees chose ASPCA. After hearing that baby gates and ice packs needed for surgical recovery were covered I was sold.
I made the right decision. I've filed four claims, each one was processed and reimbursed in a very reasonable amount of time. There was no back and forth asking for more info, etc. (something I frequently see with other insurers). Don't hesitate to go with this company, you'll get great coverage and equally important, peace of mind.
5
out of 5
POSTED: | BY: Marjorie Madison
Great company
I love this Insurance company, very reasonable. Thanks for great service.
5
out of 5
POSTED: | BY: Debra Valentin
Highly recommend ASPCA for all your pet needs!
I researched many pet insurance programs, and aspca offered the best coverage & price for all my pet needs. Price was very reasonable, claim forms were simple to fill out and service was great!
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.