5
out of 5
POSTED: | BY: Loretta Fatzer
Very reliable response to our claims.
Very reliable response to our claims.
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4.4
out of 5
Number of reviews 12,254
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: Robert
My kitties know you have their back!
We've chosen ASPCA for the ease when submitting claims and the professionalism of the staff. Their compassion, especially in hard times, has kept me a loyal client and I truly appreciate the support. Without their help we could not have given our little guys every chance at a happy and healthy life. All our thanks for the peace of mind you've given us.
5
out of 5
POSTED: | BY: Alana Hanzie
Very timely claim processing
Very timely claim processing - very compassionate people. Would highly recommend!
5
out of 5
POSTED: | BY: Olga A.
Filling a claim online is really easy…
Filling a claim online is really easy and reimbursement was quite fast. I’ve filed two claims and was really surprised how much was covered. I would recommend ASPCA.
5
out of 5
POSTED: | BY: Carol
Best pet insurance around. Reasonable, responsive, honest and caring staff. Highly recommend.
I switched to ASPCA from another carrier and found them much more cost effective and responsive. The policy was straightforward, no gimmicks and no tricks. I decided to get coverage for my cockapoo as she aged, thinking that the costs of caring for her might increase with age and that I needed to know I could do all I could to keep her well. She had an operation to remove a tumor last year, at age 14, and ASPCA covered 3/4 of the cost. This year, my darling girl passed away and they will cover her emergency hospital bill as well as the charges for euthanasia and cremation.. I am glad I had this policy.
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.