5
out of 5
POSTED: | BY: Mike Harris
the claim process was very easy and my claim was processed quickly.
The claim process was very easy and my claim was processed quickly.
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: Michelle Artis
Great service
Easy to put in claim, fast processing.
5
out of 5
POSTED: | BY: Clay
Very pleased
I am very pleased with the ASPCA pet insurance I have for both of my dogs. I had issues before when the plans were based on reasonable and customary rates which created far too low of reimbursements, but the the insurer listened to their customers and all plans are now based on the billed amount, making it much clearer for you to know what to expect when you seek treatment from a vet. Claims are handled quickly and easily. Customer service is top notch. I recommend them to all my pet owning friends!
5
out of 5
POSTED: | BY: Jessica
Easy & Efficient
I have had to use my ASPCA insurance 2 times in the last 8 months and it has been an easy and efficient process! My 13 month old Dogo Argentino is a handful but ASPCA insurance makes everything easier. Really glad I made the decision to go with them!
5
out of 5
POSTED: | BY: Gia Owens
Insurance the way it should be
You never know if you have good insurance until you go to use it. I was leery to buy insurance for my dog at such an old age. My cocker spaniel and favorite canine ever - Baxter- is 13 so the premiums are higher than if he was young of course. But the fact is, he is more likely to need expensive coverage as he aged. Such was the case. He was an active little guy and a short stop of sorts when chasing a ball when younger. But he tore his cruciate ligament 4 months ago and that was my first claim. Surgery was about $6,000. My policy paid 80% of that. Seamlessly. Then Baxter developed a weakness in his back legs and began to sleep a lot and drink water excessively. After several tests they determined he has Cushing's disease. Again, ASPCA came through with nothing challenged when it came to the coverage. These were all new conditions and they paid exactly what I anticipated. Fact is, this insurance has paid for itself a million times over already. I don't have to be concerned with running up thousands and thousands of dollars - which I would in a heartbeat- to care for my little guy. I have a golden who is also aging. She is 12 and healthy but even if something comes up, I know I'm covered for the bulk of it. I couldn't give a stronger recommendation for ASPCA. They have been incredible.
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.