5
out of 5
POSTED: | BY: Alyssa
Fast Reimbursements and Great Coverage
Claims are easy to file and reimbursements are processed very quickly. I'm extremely satisfied with ASPCA Pet Health Insurance.
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: Patty
Worth the money
My dog tore his cruciate ligament and the first claim for the X-rays took a long time because they said they had to get more info from my vet. The claim for the surgery was fairly quick and all the following claims have been quick
4
out of 5
POSTED: | BY: Brian
Pre-existing conditions limit this pet insurance
I've used ASPCA pet insurance for several years now and have been fairly pleased with the service and benefits. My dog is now 15 years old so as he has gotten older then new ailments have come up. With this insurance, a illness that comes up this year is a pre-existing condition for next year and forward so nothing is covered for that illness after the current year. My dog can no longer be covered for his back or his liver which flare up usually once a year. I shopped around a couple of years ago and this was the only insurance that we take my dog due to his history so I am appreciative that we can still use this policy. Overall though, I think they have one of the best customer service departments of any industry I am a consumer of. Another good feature is the auto-reimbursement in my checking account. I still wait for dentist reimbursements to come in the mail but my pet insurance company can send directly to my checking account. I can also see the claims on line before I get the paper copy in the mail..
5
out of 5
POSTED: | BY: Elizabeth
Love my pet
If you love your pet insure them! Best insurance ever!
5
out of 5
POSTED: | BY: Mary Fisher
Thank you for being there for us.
Very pleased with your pet insurance. It was a blessing when my long haired Dachshund became very ill with a bone cancer . I had only enrolled him in March. He became ill in October. Thank you so much for being there and for reimbursing us for the majority of his bills. He was in intensive care 9 days. Total ran over $14000.00. We were reimbursed $9585.00. We had a $10000.00 policy and they had reimbursed us for other vet visits which drove the total to $10000.00. Teddy was only 7 years old and in very good health when he became sick and had to be put down. Thank you for being there for us.
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.