5
out of 5
POSTED: | BY: Roni white
Great
Great insurance
4.5
out of 5
Number of reviews 12,064
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: Katy
Prompt
I was impressed as to the ease of submitting my claims and the promptness of the payments on my claims. I was a bit concerned that my claim would be denied because my ‘girl’ is so young and ill. They asked a couple of questions to clarify my claim and then it was paid.
5
out of 5
POSTED: | BY: Natalie
Pet insurance was a great decision for our older cat
After going through some health problems, and large vet bills, we decided to get pet insurance for our 11 year old cat. ASPCA has been great at responding to and completing claims we've submitted for our cat after each vet visit.
5
out of 5
POSTED: | BY: Maryanne Fraleigh
Off To A Great Start
I had a policy several years ago and more recently purchased one on my Black Lab, Bella. I noticed a significant difference in customer service since my original policy. My first few claims have gone through seamlessly, without questioning and dispute. I even received a follow-up call to see how Bella was doing after surgery. Of course the person also asked if I'd write a review, but that's business. Processing and reimbursement were prompt. I hope this continues. At this point, I would highly recommend using them.
5
out of 5
POSTED: | BY: Deborah Frost
ASPCA Pet Health is great
ASPCA Pet Health is great. My puppy, Chase recently broke his leg and had to have surgery. I call ASPCA to check on my insurance and was pleasantly surprised that they cover the cost of the surgery at the percentage I agreed to in my plan. It made this whole ordeal a lot less stressful knowing the surgery was covered. What a great investment I made in choosing ASPCA!
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.