5
out of 5
POSTED: | BY: Jim
Claims are processed quickly and without any problems.
I love the efficiency and promptness with which my claims are handled! Great value.
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.
5
out of 5
POSTED: | BY: Beverley
Saving grace
I have the assurance that my pet will get the care she need
5
out of 5
POSTED: | BY: Heather
Awesome
When I decided to get a puppy I didn't realize how much work it would be. My dog was just 2 months old when he ate a piece of tarp. He was so sick that night. It ended up being a blockage in his digestive tract. I decided before this happened to get pet insurance. I looked through different ones but decided with the ASPCA because it had preventative on it. I believe they were the only one too. It's a nice option to have. Anyway, since all that I went through with my pup. I took him to the hospital. The bill ended up being about $4,000. It was insane. ASPCA covered about $3400 of it only leaving a small sum. It was worth it. I was so thankful I got pet insurance and now I watch everything my pup does!
5
out of 5
POSTED: | BY: Maria
Wonderful
10
5
out of 5
POSTED: | BY: Meirav
Glad I have it
They were very helpful and covered 90% of the surgery I needed without the moaning and groaning that you would expect an insurance company to put you through. Although the claim submission and approval process took a bit of time, and I needed to pay upfront, once it was approved the check went out a week or so later. The app is nice and lets you know a claim’s status. Tech support responds by email. You can actually speak to a person if you call to follow up about a claim. And someone even called to ask how his surgery went. I wish human insurance was this good. Please let me know if you consider branching out.
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.