5
out of 5
POSTED: | BY: Barb Trial
Excellent customer service
Great service
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: M Hoef
Perfect! Thank you for being there when we needed you!
Blown away with how good this company has been. My little man needed surgery to remove a huge tumor. At a very stressful time your claim process was easy fast and the payment was in my account in three days!
Simply said...Thank you!
5
out of 5
POSTED: | BY: Bethany Cornelison
Easy. To use app & excellent customer service!
I researched which insurance to purchase and picked ASPCA because it has so many options at a reasonable price. The app is Simple to use and easy to upload your vet bill. I uploaded the document and was reimbursed in less than a week! Customer service is super friendly and helpful; would highly recommend.
5
out of 5
POSTED: | BY: Ryan Allain
We're Happy We Have This Policy For Our Dog
We bought insurance for our dog when he was a puppy after hearing stories about expensive surgeries due to blockages. Well, we never used the insurance for almost 8 years and then in the past year our dog was diagnosed with pancreatitis, attacked by another dog (pit bull) and was diagnosed with diabetes. ASPCA has covered a substantial amount of these expenses, so our investment is paying off. The claim turnaround was a bit slow, but is now much quicker.
5
out of 5
POSTED: | BY: Raquel Harsh
Excellent services for my pet
It’s easy to submit claims and the turn around was fast. Great customer service!
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.