5
out of 5
POSTED: | BY: Amanda Cavanaugh
All good except timing
The reimbursement was fair and it was an easy process. The approval just took too long.
4.7
out of 5
Number of reviews 11,341
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: Michael erskine
Easy to apply and also easy to submit…
Easy to apply and also easy to submit claims
4
out of 5
POSTED: | BY: Sonia Wilson
Knowledgeable customer service…
Knowledgeable customer service representatives, easy payments and reimbursements, happy for the multiple pet discount.
5
out of 5
POSTED: | BY: Priya
AMAZING- make sure you use them as your pet insurer
ASPCA is the best pet insurance company. They make filing claims so easy and they don't make poor excuses or try to not pay out claims. They are fair and honest and I wouldn't hesitate to use them for your pet.
5
out of 5
POSTED: | BY: Ross Romero
User-friendly and great products
I've had a great experience so far with ASPCA Pet Insurance. Their web portal is great and easy to make claims or look up your policy. I've always had very helpful customer service representatives when ever I called. They also have a decent claim review turn time and they don't make you wait for payment.
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.