5
out of 5
POSTED: | BY: Rob
Claim and payment process has been great
Filed two claims so far. Most everything has been covered. Submit online. Got a nice check back both times. Been happy with the insurance.
4.5
out of 5
Number of reviews 12,091
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: Juston
The process and treatment was fantastic
I have had ASPCA for a while now, and they have been great with all of my pets. Their cover ages are great, and they have been very quick to process all the claims.
5
out of 5
POSTED: | BY: Elizabeth
Great coverage and quick payout!
My chihuahua is a very unlucky guy and had 2 completely unrelated life threatening incidents in the span of 6 months. First, he had a bowel distorsion that resulted in him having to undergo an anastamosis. Then, 6 months later, he had a stroke. His vet bills totaled to over 15K, and I ended up having to pay only 5K of that. ASPCA paid out both times in under 2 weeks. The only issue I would say is that they don't pay the full vet bill, but rather pay 'reasonable coverage' based on costs within a certain area. Their monthly rates, deductible, and coverage percentage are so much lower than other companies, that it still works out to be cheaper, however.
5
out of 5
POSTED: | BY: Helene
Insurers to trusted
I have not been disappointed when I submit a claim. Wish they covered yearly exams, but I guess it is too expensive. Every one I have spoken to on the phone has been professional and very pleasant. I also love the follo up call to see how Willow is doing. I think that is a nice service.
5
out of 5
POSTED: | BY: Phillip
Prompt reimbursement
Easy claim process with clear guidelines and prompt reimbursement.
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.