5
out of 5
POSTED: | BY: Betty
Very Glad I have this insurance
Great customer service. It's seems like you are speaking to family. Reasonable rates and fast claim processing.
4.5
out of 5
Number of reviews 12,095
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.
3
out of 5
POSTED: | BY: Audrey
I chose ASPCA over other pet insurance…
I chose ASPCA over other pet insurance agencies because of the higher rate of returns and more flexibility with choosing coverage levels. I have yet to be reimbursed even half of the invoices I've paid. I once recieved a check for $1! Its quite discouraging. However, I assume I need to hit my deductible before I can be reimbursed anything substantial so maybe I just need to wait. It's not ASPCA's fault... it may be my lack of understanding.
5
out of 5
POSTED: | BY: Ryan
Peace of mind that you can't put a price tag on.
We're multi-year customers for our two dogs. The web interface is very easy to use and claims are processed quickly. It's great to know our dogs will never be denied the care they need due to expense. That peace of mind alone is worth participation.
5
out of 5
POSTED: | BY: ANGIE
Happy dog mom
Excellent customer service and quick turnaround time to get reimbursed for vet bills.
5
out of 5
POSTED: | BY: David Lee
We are so happy we went with ASPCA Pet…
We are so happy we went with ASPCA Pet Insurance. The staff are friendly, supportive and knowledgeable.
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.