5
out of 5
POSTED: | BY: Dina
Great Insurance
Great insurance! Prompt payment. Thankful to have it
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.
2
out of 5
POSTED: | BY: Kyle Dennis
I can't edit or manage my pet's …
I can't edit or manage my pet's policies online, or even email, I have to *call a number* to do anything. Pet policy info doesn't feel well communicated, I have no idea why my two pets have different plans except that I guess that some plan options changed since the time I registered the first one? It all feels really sketchy and amateur hour, I'm worried that it's overpriced for the comparative coverage, and I'm thinking of switching to Nationwide pet health insurance when I have the chance. Assuming I can figure out how to cancel my current policies.
5
out of 5
POSTED: | BY: John Lehr
Very friendly and compassionate to your pets needs
They have been excellent to work with during both sick and wellness times.
Very friendly to work with when adding additional pets.
Takes the time to explain all the options.
5
out of 5
POSTED: | BY: Lucienne
Awesome insurance
ASPCA pet insurance is really wonderful. I am posting this because I previously posted a terrible review. The insurance took 3 months to reimburse me due to 'insufficient information from vet'. At the time I was broke and it seemed like the reimbursement would not come around. However, it eventually did and I am so grateful! My cat recovered from diabetic ketoacidosis and is now under control. It is very likely that now that he has a pre-existing condition, he will not qualify for further reimbursement. However, I have kept paying $30 in order to 'pass on' some cash to someone else. I highly recommend aspca - they raise a ton of money for all kinds of animals. I'm not sure if the insurance is related to aspca but I also recommend looking into saving one of the animals from the shelters. They are GREAT pets and having a pet makes you happier.
3
out of 5
POSTED: | BY: Priscila
Their exclusions are stupid
Their exclusions are extremely worrisome because according to many veterinarians, the diseases they list as hereditary has never been proved to be hereditary. Read your policies!
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.