5
out of 5
POSTED: | BY: Stacy Engels
Such pleasant and efficient service
ASPCA has such efficient and pleasant customer service. I couldn’t be more pleased!!
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: Kimberly Juroviesky
Best Pet Insurance Available!!!
I was a little nervous about getting pet insurance but my best friend told me to look into it and so I did. It was the best thing ever because our dog developed a heart issue. I don’t know what we would have done without ASPCA pet insurance helping us to help her. I highly recommend them. They helped us through a very difficult time and everyone has been so wonderful that we have dealt with. Thankfully our baby is doing much better now. I have recommended ASPCA to all of my friends!
5
out of 5
POSTED: | BY: Chloe
Reliable, efficient, supportive.
We have been with ASPCA for several years and never thought to switch as they are very supportive!
3
out of 5
POSTED: | BY: Cassy Powell
Cost does not outweigh the benefit
For me, the cost of the health insurance for my pets, to include preventative care, is higher than what I have paid so far at the vet out of pocket. Personally, I cannot afford to pay a monthly premium & the majority of the vet bills together. I am only getting reimbursed for less than what I pay in my monthly premiums, so for me, it is cheaper to just pay the vet out of pocket & not pay to an insurance company on top of that. I have been reimbursed for the preventative care. But, since my pets had a skin infection the day I adopted them & I didn't have health insurance for them 3 weeks before I bought them, the skin infection screening & medications are not covered because it is considered a "preexisting condition." Therefore, I have wasted a minimum of $400 by paying for the pet insurance. I will say, for pets with long term conditions, etc. the ASPCA may be a better option for those customers. The website is easy to navigate & the reimbursement process is very simple. But, I just can't afford it.
5
out of 5
POSTED: | BY: Leonardo Gjoni
Good service.
I'm very happy with the service provided. I believe the staff is always friendly when I call to inquire about something and they're always willing to help. I also appreciate the courtesy calls. Happy with the service, thank you.
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.