5
out of 5
POSTED: | BY: Mary
Great benefits and customer service
I am very satisfied with the ASPCA because of its benefits and their professional and courteous customer service representatives.
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: Nanette
Inquiry in to a recent claim
Your representative, Shelley, was most helpful with regard to my concerns and is following up with an answer for me. I do have one criticism with regard the length of time that it takes between filing a claim, receiving any updates and payment for the claims.
4
out of 5
POSTED: | BY: Pam
Worth considering
Very friendly conversations and help over the phone. They hire well! The major hiccup was the 6 week delay in processing our December claim. If a person lives paycheck to paycheck, this would be a challenge.
5
out of 5
POSTED: | BY: James
Coverage is good for major needs but average for routine visits
ASPCA pet insurance is very good coverage for the major things. It is above average for routine on non well visits. There reasonable and customary charges are lower that our area
5
out of 5
POSTED: | BY: JD
The sales rep was incredibly helpful…
The sales rep was incredibly helpful and patient. She provided me with many options for my pets.
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.