3
out of 5
POSTED: | BY: Debbie
The processing of claims should be…
The processing of claims should be quicker
Read more on Trustpilot
4.7
out of 5
Number of reviews 11,264
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: Stephen Nelson
ASPCA Insurance has been literally a…
ASPCA Insurance has been literally a lifesaver for our Nemo. Their rates are reasonable, and they clearly explain what's covered, not covered, and why. Claim payment has usually been within 72 hours of filing; the one exception was the Christmas holidays.
I recommend them to every pet owner I know.
5
out of 5
POSTED: | BY: Mattastic
Insurance through ASPCA
Insurance through ASPCA -
Read the Policy in its entirety including the small print and ask questions BEFORE you buy from anyone. It will solve 90% of the problems that I have read about before they happen. That being said, We have had very good service from the United States Fire Insurance Company whom underwrites the policies for ASPCA. They have always been respectful and very helpful over the phone if we had a problem or questions, they paid what they should have when they should have and Mostly, just an excellent piece of mind for the times that are unexpected! My baby boy has needed quite a bit of care over the last eight years and they have reimbursed me for some expensive vet bills without me having to jump through hoops to get it. If I can stomach another doggy buddy after this one is at rest, he or she will also be insured through this service.
Butters & Matt
5
out of 5
POSTED: | BY: Denise
They are always putting pets first
They are always putting pets first
5
out of 5
POSTED: | BY: Lauren Sussman
Our experience with ASPCA has been…
Our experience with ASPCA has been exceptional. The insurance aspca provides for our dogs is better then the insurance we have for ourselves!! They have been always compassionate and kind when processing our claims. You can’t have a pet without getting ASPCA for them.
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.