5
out of 5
POSTED: | BY: Kim
Easy to submit claim, fast refund
I have been very happy with this insurance.
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: Christina Hirsch
Have relied on this insurance with my…
Have relied on this insurance with my dogs for years and never been disappointed
5
out of 5
POSTED: | BY: Ed
Fast and easy claim service
I have had ASPCA insurance for my dog for several years and have never had a need to file a claim. I recently had to file a claim and did not know what to expect. Happily, I found the process easy and absent of red tape.
4
out of 5
POSTED: | BY: Amy O'Brien
I haven't yet had to file a claim
I haven't yet had to file a claim, but so far I am happy with their service.
4
out of 5
POSTED: | BY: Nancy Carlson
Bereavement is handled with sensitivity
When a feline friend crosses the Rainbow Bridge and I submit euthanasia claim, an agent always calls, follows up with a sympathy card and cancels the insurance without my asking. A very nice prsonal touch.
That being said, they don't have a mechanism for deleting deceased pets from accounts. The list just grows longer. They need to fix this!
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.