5
out of 5
POSTED: | BY: Gina Miller
Easy to use
Wonderful to have when your animals are sick. Vet costs are out of sight!
Read more on Trustpilot
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: Chris Rogers
So far so good.
I’ve been with ASPCA for two years now. Very happy with their service.
5
out of 5
POSTED: | BY: Colleen Mallari
Satisfied customer
I was a little leery at first because it took forever for my first claim to get paid but they did tell me they had a backlog. Since then they are usually paid within 10 days. Very happy with them
4
out of 5
POSTED: | BY: Heather Plankenhorn
I’ve definitely gotten my money’s worth
My only problem (& it’s not really a problem) is the length of time it takes for me to get reimbursed. That being said, when you do things on your phone you always have a problem interpreting pictures & descriptions of the services. I will definitely say I’ve gotten my money’s worth since I obtained this for my dog.
4
out of 5
POSTED: | BY: J Allp
Thankful for ASPCA insurance
I am very thankful for ASPCA insurance. Our 10 month old puppy tore her ACL and MPL. She had extensive knee reconstruction surgery, then tore the internal stitches and had to have revision surgery. They covered the majority of both surgeries at 90%. The only downfall I saw was processing claims takes 2-3 weeks. I will not have another dog without insurance.
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.