5
out of 5
POSTED: | BY: Sachin
Good job
Prompt and friendly!
4.7
out of 5
Number of reviews 11,349
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: Laurel Holschuh
Helpful and Prompt Review
We submitted all of our invoices/claims for our first insured year at the same time within the 9 month deadline. I called ASPCA Pet Health Insurance a number of times with miscellaneous questions, and they were always very helpful. Their review of the claims was prompt with clear explanations, and we received total reimbursements that exceeded our annual premium.
5
out of 5
POSTED: | BY: Roger Bray
Many thanks to ASPCA!
I love the ease of use, quick payment and top quality customer service of ASPCA pet insurance. I consistently recommend you to my friends. Keep up the great work. Thank you!
5
out of 5
POSTED: | BY: Heidi
Great, easy to use insurance service
Having never had pet insurance before, I compared a lot of companies before deciding on ASPCA's plan. My comparisons showed that it was the best value for the premium cost.
I just filed my first claim and it could not have been easier. The online process was easy to do and tracking the progress of the the claim was a cinch. The amount they paid was exactly as spelled out in the policy. I phoned customer service to ask a question about whether I should sign up for direct deposit for the claim payment, and even though it was too late to do it on this particular claim, the customer agent did all the set up for me online so that I didn't have to log back on to the website and do it myself. She was friendly and efficient.
4
out of 5
POSTED: | BY: Lindsay Berkebile
Love the app makes claims easy! Very clear on what’s covered and what’s not.
Aspca has helped a lot when Puck has been ill to accidents like getting stuck on a mouse glue trap! The app makes it crazy easy to submit a claim I do it while walking to my car from the vet! I love that they have direct deposit! Sometimes though when it’s Holidays are really busy times when people are submitting a lot of claims it can take a while to get reimbursed… But that’s the only thing I can think of that I have come across that isn’t ideal.
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.