5
out of 5
POSTED: | BY: Barbara
Great service
My claims have been handled quickly and paid fast. I would recommend ASPCA insurance to any pet owner
4.5
out of 5
Number of reviews 12,092
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: Mary
Would recommend to everyone
No complaints,would recommend to any pet parent
4
out of 5
POSTED: | BY: David
Easy to Navigate Claims
Their website makes it incredibly easy to submit a claim and, if one wants, track claims that have been submitted but not yet awarded. Awarding claims goes smoothly, usually in a few weeks. My only issue is that I feel that the amount reimbursed could be higher given the amount of the monthly premiums. But, I suspect that's going to be the case with all companies (both nonhuman and human insurance companies). I have no plans on switching because, for the most part, ASPCA is doing a great job.
5
out of 5
POSTED: | BY: Amul
Easy claim process and response time to settle
Filing a claim though the phone app couldn't be any easier. The response time was excellent and I received a personal call the day after the claim was settled to ask about Dexter's condition. I am very happy with the quality of service and will continue using this insurance.
5
out of 5
POSTED: | BY: Wendy
Excellent coverage and fast reimbursement
My Maltipoo, 7 year old baby, came down with a kidney stone issue which could not be removed due to her small size, so were referred to a specialty hospital in Los Angeles. My top on my insurance was $10,000 and I exceeded that, but the $10,000 was expeditiously returned to me and I was so grateful that we had that to cover her, otherwise we would have had to put her down. I have one Little Pomeranian, that had a pancreatitis issue, that exceeded $2,500, which was also totally covered and returned immediately. Very very grateful. There's no way of knowing what these kids of ours will encounter, so it's wonderful to have the comfort of knowing that you will be able to fix their problems, for the most part. That monthly payment for both of them for less than $150 is well worth the comfort of knowing that you have the coverage to cover anything that may come up.
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.