4
out of 5
POSTED: | BY: Mary
Easy to work with.
Glad we have insurance. Wish the reimbursement percentages were higher.
4.7
out of 5
Number of reviews 11,263
Updated: November 13, 2023
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: Lynn
This Pet Insurance was the right choice for us,
Claims paid in a timely manner. Excellent communication during processing. Glad decided to get this insurance.
5
out of 5
POSTED: | BY: Kathleen Montalbano
ASPCA Insurance...great service!
We decided to try ASPCA pet insurance on the recommendation of friends when we brought a new pup into our lives 3 years ago. Fortunately, our dog is young, healthy and active. However, he has gotten into a couple of situations that have required minor veterinary care beyond his annual wellness checks. ASPCA insurance has been wonderful at completing claims and sending reimbursements quickly. It is certainly a financial help and a comfort to work with such a responsible company. The after care phone calls to check in on our dog’s recovery process is also a plus!
5
out of 5
POSTED: | BY: Matthew Brusius
Better than my human health insurance
Nugget had very invasive double TPLO surgery. ASPCA’s customer service was very nice, well spoken and made the whole process transparent and easy to manage. I would recommend Nugget’s coverage to all large breed dog owners.
5
out of 5
POSTED: | BY: J
Helpful for chronic illnesses or suprises
This policy is good for chronic illnesses or surprise illnesses or injuries. My cat was just diagnosed with diabetes. We met the deductible quickly and since then we've been reimbursed 80% of all other qualifying expenses (testing and supplies.) The first check took about a month to come through. When I called to inquire they said they were backed up with claims. But after that it hasn't been more than around 7 business days from the time I submit the claim until I get reimbursed. The only reason I didn't give this policy a 10 is because the premiums more than doubled not too long ago with no warning and no other options. That wasn't cool. But overall, I'm glad I have a policy for my cat.
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.