5
out of 5
POSTED: | BY: Samantha
Great for a pet who ends up with a sudden unexpected illness
It was perfect for when my dog had a sudden decline in health that will be a lifetime issue.
4.5
out of 5
Number of reviews 12,144
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 Much Better
We have had pet insurance with other companies in the past that constantly denied claims or paid next to nothing against the claim amounts for one reason or another. ASPCA insurance has been great. Claims are paid quickly once they are approved (approval does depend on how quickly your vet provides records). The only thing I would change would be to include the canine influenze shot as part of yearly maintenance and provide a little bit more coverage for heartworm medication (one of our dogs has to have a more expensive brand because of allergies so the coverage really only covers a couple a few doses).
Overall, the insuance coverage has been fantastic, customer service is amazing, and all non-covered items have been minimal.
5
out of 5
POSTED: | BY: Cassandra
They help keep my senior dog, jaxon, with me.
I'm extremely happy with my ASPCA insurance. I can't believe how much they reimburse to me. My Jaxon has chronic kidney disease and it started after I got my insurance for him. With it. I am able to afford taking my dog to a holistic vet for acupuncture, taking my dog to the hospital, his prescription dog food, and more.
5
out of 5
POSTED: | BY: Susan
Pet insurance that lives up to its promises
We had never purchased pet insurance before, but decided to give it a try when we adopted our rescue beagle Max. We are so happy we chose ASPCA as they have lived up to their promised coverage beyond our expectations! They processed our claim right away and kept us informed throughout the process. Reimbursement, which was more than we expected, was prompt after receiving additional information from our Vet. We would highly recommend ASPCA to anyone considering pet insurance!!
5
out of 5
POSTED: | BY: Scott
Wonderful coverage and service.
Maddie is our first family dog and my first dog ever. We heard about various insurer's and our Vet suggested ASCPA. We are glad we took his advice. The coverega is very good and the claims process and website are easy. I'm addition, the follow-up from the reprseantatives was refreshing and so nice to hear their concern for Maddie's well being. Thank you
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.