5
out of 5
POSTED: | BY: Etan Orgel
Very helpful in providing guidance
Very helpful in providing guidance
Read more on Trustpilot
4.7
out of 5
Number of reviews 11,283
Updated: April 30, 2024
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: Donna McDonald
I thought there would be a hassle when…
I thought there would be a hassle when I sent in the paperwork for the dental. It was so easy! Thank you. I will telling other people how great the insurance is
2
out of 5
POSTED: | BY: A. Taylor
Polite but unorganized. Needs a more efficient claims review plan.
Their customer service agents are extremely polite but there is a major discourse between what they say and what is actually done. I've waited for over a week for an expedited claim to be finalized and their agents always say it will be completed tomorrow (I've heard the same thing for 8 days now). I just got an email saying that my claim will be expedited. The same email I got 10 days ago. On top of your pet being sick, you have to wonder for days if their medical issues will be covered and every agent tells you something else. Their lack of organization alone is making me wonder whether I will stick with them long-term.
5
out of 5
5
out of 5
POSTED: | BY: Scott Cadwalader
ASPCA has exceeded our expectations for efficiency and responsiveness
Our experience thus far as relatively new ASPCA Pet Health Insurance customers (1 year) has been great, and I'd add, possibly the best experience yet with any healthcare insurance provider. This has exceeded our expectations.
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.