5
out of 5
POSTED: | BY: charles wallert
Great claim service!
Great claim service!
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: Alethea ODell
I have a 6-month-old puppy that has had…
I have a 6-month-old puppy that has had to go to the emergency room three times. I chose ASPCA health insurance for the pup, while my 11-year-old dog has Trupanion. They are the same in the time it takes to process a claim. However, ASPCA's reimbursement is much better than Trupanion's (which does not cover exam fees). Already, I've had more than $4,000 worth of expenses for my puppy and ASPCA has been fast, responsive, and worth the monthly cost.
5
out of 5
POSTED: | BY: Secilia G
excellent customer service great turn…
excellent customer service great turn around on claims all around great company
5
out of 5
POSTED: | BY: Miranda Bailey
Great rate and have had no issues so…
Great rate and have had no issues so far. Would definitely recommend.
5
out of 5
POSTED: | BY: Heather
Kind personnel, fast claim processing
Kind personnel. Super easy on-line submission of claims that are promptly reviewed and paid directly to my bank. I am so thankful for this insurance that is helping me support the health and lengthen my dear cat's life!
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.