5
out of 5
POSTED: | BY: Alli
Paid claim, easy to use website . Nothing like human health insurance, very easy.
Easy to upload documents, paid claim within a month
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: Brad Alexander
Good but not as expected
Good but not as expected
When it comes to being paid on my plan they pay 90% of approved costs but they typically end up paying 40% to 60% of every vet bill. Payments do come fast and the online portal is easy to use but they fall short in reimbursements. I think they need to review some of the approved costs because they are using rates that are too cheap.
5
out of 5
POSTED: | BY: Ashley
Amazing
I got pet insurance right when I got my dog as a puppy, I was hoping I would never have to use it but unfortunately I did and the service I recieved was amazing. They filed my claim quickly and reimbursed me just as fast. I absolutely love the ASPCA insurance and will use them with all my future pets, thank you so much!
4
out of 5
POSTED: | BY: Jared
Good customer service, average coverage
Customer service is good. Also have been reimbursed for many services at a rate of 90%. Sometimes the time for reimbursement can get backed up. Also, you only have until your policy renews to treat any chronic conditions... which can be inconvenient.
5
out of 5
POSTED: | BY: Luke
Great price, hassle free insurance
I've had to file a few claims with ASPCA insurance, mostly for small things, but each claim was easily submitted through their app and reimbursement taken care of through direct deposit within 2 weeks or so. Never had any hassles over charges or denials of claims. Price was one of the best for insurance. I'm very happy to have them as my dog's insurer.
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.