5
out of 5
POSTED: | BY: Lisa
Excellent service
Excellent service. Very quick turnaround for reimbursement.
4.5
out of 5
Number of reviews 12,093
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.
4
out of 5
POSTED: | BY: Bonnie
Always good service but need higher caps on payments
The customer service from ASPCA pet health insurance is first-rate, and this insurance has been a godsend, as I have 3 cats, and they have had many ailments over the years; however, even though I have continuous care polciy, 2 of them have capped out on certain ongoing problems, and I can no longer receive any reimbursement for those particular problems. The caps need to be much higher because, animals, like humans, often have ongoing medical conditions that continue to need treatment, and a $3000 lifetime cap on a major illness is way too low, particularly when an animal has required treatment for that same condition for several years. I have always paid my premiums on time and in good faith but am beginning to wonder if I should continue to carry coverage if I cannot get more financial help when it is needed.
5
out of 5
POSTED: | BY: Joan Penzell
ASPCA insurance is always very pleasant…
ASPCA insurance is always very pleasant and willing to help. As for the insurance I feel they are very fair in what they will cover and not cover which they give you an explanation.
4
out of 5
POSTED: | BY: Rebecca Carnevale
As your dog ages, you NEED insurance!
This insurance provides that little cushion that gives you more peace of mind when your vet bill is more than you expected. When my dog was six, he was diagnosed with a very serious autoimmune disease that required months and months of treatment. Then, a year and a half later, he was diagnosed with diabetes which requires weekly visits and blood tests for the first few months. This insurance allowed me to pay a reasonable monthly rate while expecting at least SOMETHING back from my vet bills. I do everything online which makes submitting claims super easy. I definitely recommend this to people with pets, especially as your dog/cat gets older and unexpected ailments begin to pop up.
5
out of 5
POSTED: | BY: Bryan
Great Service
The timely service of getting refunded is AWESOME. We have recommended ASPCA to ALL of our friends.
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.