5
out of 5
POSTED: | BY: Richard
Happy Pet Owner
Claim process extremely well managed (some human insurers could take a lesson). Claim settlement was prompt and accurate. I recommend their insurance product.
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: Lisa
So helpful, caring, and thoughtful through difficult times
My 3 1/2 year old AmStaff needed knee surgery. Obviously I was upset and concerned for him, but remembered that I at least had pet insurance and that should help my walled! I called ASPCA to review my policy, see what was covered, and ask how to file the paperwork. Their paperwork is easy enough to download online, and mostly easy enough to understand as well. I had questions about filing for a pre-approval, and the woman I spoke with was so kind and helpful and wished me and my dog well and was genuinely sad and sorry he was going through all of this. The pre-approval came back quickly, and everything was as explained. Once I received the paperwork from my vet, the vet sent everything to ASPCA and filed for me directly which was a huge help as well. Within the same amount of time as the pre-approval (maybe a week or so) I was notified that everything was approved/accepted and that I would receive payment. The online system is so easy to use that I wish I had thought to sign up for direct deposit, but the check came fairly quickly. I also did not have to log in to stalk the status of the approval since ASPCA emails me whenever new information on the claim is available. All around, great pet insurance. I wish I never needed it, however it's so nice to know they're here for me and my dog!
5
out of 5
POSTED: | BY: McKinney
Ribert
Great company and people to deal with.
1
out of 5
POSTED: | BY: Lauren
If it’s not an illness or emergency don’t bother
If your cat is ill, it could take up to a month in order to get illness coverage. My cat ran away and most likely past past away in the woods at 2 years old because of this service. They charge your account instantly, like as soon as you plug in your pets information but don’t provide timley and adequate pet health. We waited two weeks so that we could get him help and he’s gone just days before we would have been given coverage. Not all of these companies are as compassionate and genuine as they pretend to be. Even such good cause such as the aspca has money hungry people behind it. Now I’ve cancelled the insurance to insure I find quality pet health for my other cat who now has severe anxiety since his best friend is gone. I hope they reap what they sow.
5
out of 5
POSTED: | BY: PATRICIA CONTI
This is my third dog with ASPCA pet…
This is my third dog with ASPCA pet insurance. And when I called to insure my new dog the customer representative was very informative and patient new the product and could answer all my questions and concerns. Yes I would recommend the ASPCA pet insurance to my friends and family.
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.