5
out of 5
POSTED: | BY: Parisa
They are the best!
Aspca Insurance is responsive user friendly and transparent.
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.
2
out of 5
POSTED: | BY: Liz
Really poor service
Very, very disappointed in ASPCA Pet Health Insurance. They've made me wait over 2 months to process a claim and I'm still waiting. I've had to call them twice as my claim kept changing status into "needing information". When I called them, they had contacted the wrong veterinarian. I'm feeling pretty ripped off, as they've been happily taking my money for 3 months. Also, there's no way to cancel the policy online, which means they're taking even more of my money until I can get in contact with them again. I'm surprised that other reviews have been so positive, because my experience has been terrible.
5
out of 5
POSTED: | BY: Niccol
Best insurance
I am extremely happy with ASPCA pet insurance and recommend to anyone I know with pets. They are very responsive, coverage is great and if my dogs undergo surgery, they call a week later to see how they are doing.
4
out of 5
POSTED: | BY: Barbara
Good coverage for two of my pets
My cat has been covered by the ASPCA insurance for several years now. I must say ASPCA insurance covers most of my costs and is highly efficient!
5
out of 5
POSTED: | BY: Elaine
Wonderful, compassionate service personnel
I’m fortunate that my 110 pound dog is generally quite healthy. But when those other times happen...it is great to know that ASPCA pet Insurance is there to help with the bills. On the most recent claim my dog had a stomach virus that just wouldn’t go away. The vet needed to run some tests and prescribe medication and see him for a recheck. Fortunately, Bailey has recovered and is doing fine AND the pet insurance reimbursed me fairly. They even called a few weeks later to see how both of us were doing! Five years ago he inhaled an acorn that lodged in his trachea. We almost lost him because neither the regular vet or the emergency vet could get it out. Our pup was in critical condition being kept alive by machines until a specialist was able to remove the acorn after several attempts. Bailey fully recovered and ASPCA pet insurance came through to keep this $6,200 bill from being such a big financial hit for us. And yes, they followed up a couple of times to check on his progress and to see if they could be of any help! The service reps are professional, kind, caring and supportive.
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.