5
out of 5
POSTED: | BY: Naomi
Peace of Mind
I appreciate that Chloe is covered for injury and most health issues. I don't have to worry about a major unplanned expense to keep her healthy and happy.
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: Barb
Easy!
Online claim process was super easy. The claim was processed quickly and the information provided was easy to understand. I used to be a skeptic due years ago experiences with other insurances - but ASPCA was fast and easy, so I am a believer!
5
out of 5
POSTED: | BY: Marcie McCord
First claim was great experience
This is my first time having pet insurance. I did the claim process online and actually thought I did it incorrectly. To my surprise they all processed, and I met the deductible and got some money back! It was an easy process and that says a lot coming from me. So far a great experience, and I do feel confidant that if our Lucy has any problems this insurance will help take the sting out of the financial part. Im very hasppy with my choice of companies. Thank you!!
5
out of 5
POSTED: | BY: Jeanne
Easy to file claims, fast payment of claims.
Very nice people call to follow up on pet after claims are filed.
5
out of 5
POSTED: | BY: Jason Russell
The staff was very helpful and …
The staff was very helpful and courteous when explaining everything to me, and the rates were very reasonable for the coverage. I also liked that they offered a variety of different wellness options without a deductible.
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.