5
out of 5
POSTED: | BY: Geoff Berger
First claim was a breeze
My dog ruptured her nail. My vet sent in the claim and they paid my vet 90% minus my deductible within a few days. They were great
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: Linda Whitesides
Dealing with the insurance was very easy
this was a good expenience
1
out of 5
POSTED: | BY: Victoria Margiotta
RAISED RATES
ASPCA was recommended by my vet a year ago. This past year our payment was $60 a month and we never needed take our dog to the vet but my policy increased $30 a month without any notice. When I called ASPCA to find out why my premium went up to $90 there excuse was my dog is "older". I took that as I'm being punished for having a healthy dog. Like car insurance I could see if I've put in several claims that would force my payment to increase. So my question to ASPCA was if my dog is 7 now and lives till hes 15 how much are you expecting me to pay after your yearly increases. My calculations come to $520+ a month when my dog turns 15. The catch is you can't insure your pet after 7yr old. The greed this insurance company dumps on consumers is disgusting. Again if I've put in zero claims, have a healthy pet I don't understand how you justify an increase. Please be aware your first year payments are NOT a fixed rate even if you've put in zero claims this insurance company will raise your rates after a year. Safe to say ASPCA doesn't care about pets it's all about the MONEY. I'd rather deal with car or home insurance at least there's fairness to there increases, you won't get punished for driving an old car. Here I'm trying do right by my dog and I'm getting screwed for it.
5
out of 5
POSTED: | BY: Arthur Sobey
Good folks to do business with.
Claims are processed rapidly and systemically processed. Bob, an ASPCA rep, called to check on Rusty's progress. Very nice.
5
out of 5
POSTED: | BY: Dorie Neuber
Definitely grateful for this insurance; consistent efficient and professional processing of claims; sensitive representatives.
Grateful peace of mind with reassurance that any claim will be processed sensitively and efficiently. Thank you!
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.