5
out of 5
POSTED: | BY: Nora
Great coverage! A lifesaver for my Buddy!
My little boy, Buddy is still here because we had insurance and we were able to take care of him when he had a terrible pancreatitis attack.
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.
5
out of 5
POSTED: | BY: Mary
Best investment for dogs health coverage and easy to use.
I have ASPCA pet insurance since about 2007 and very please with the services that I have received whether its questions about claims or other inquiries the representatives are always knowledgeable and professional. I have recommended ASPCA pet insurance to several of my friends who are also pleased with the service they receive.
5
out of 5
POSTED: | BY: Yolanda
they are always kind when they speak to…
they are always kind when they speak to you about your pets and any questions you may have
4
out of 5
POSTED: | BY: Stacey Fitzgerald
Very happy with service
Very happy with service. Just unsure of the rates for my pets..seems high for multi pet household.
5
out of 5
POSTED: | BY: Carolyn
BEST DECISION EVER!
After my two aging dogs passed away, we decided to get a puppy. We did not have insurance on the previous two dogs because they were old and we knew that if they contracted anything we weren't going to go to any extreme measures, but just let them pass naturally. But when we got the new puppy I knew that because he was so young, we would want to do whatever it took to take care of his health. We heard rumors of other dogs having cancer or ACL issues and how expensive it can be. So I took out insurance on the new puppy, knowing I would not likely ever use it. When Charlie was 1.5 years old, he started looking really sick. We took him to the vet but they didn't know what it was and wanted to wait it out. We did for a few days but he was obviously deteriorating before our eyes and he could not open his jaw. He was in obvious pain. So we went to a 24 hour vet hospital who had a great reputation for skilled vets. They didn't know what it was at first either and kept him overnight doing test after test. The entire thing cost $2,000!!! Finally they diagnosed Masticatory Muscle Myositis (MMM), an autoimmune disease that was basically attacking the muscles in his face. He was put on medication and has made a full recovery. However, we now have to wean him off the meds and see if he stays in remission. All this requires specialist vet visits (internal medicine doc) every few weeks at around $300 a pop! All this was covered by the insurance. Not only that, but they called me to see if my dog was ok. Their claim processing online is a snap too - they have a better web site than my health insurance - UHC. This is a GREAT way to spend money if you love your pet - get this insurance! If you don't need it ever, consider yourself lucky, but if you do need it, you will REALLY need it like I do.
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.