5
out of 5
POSTED: | BY: Cynthia
very responsive with claims processing
Easy on-line claims processing and tracking. Like the personal attention and they show a real interest in my dogs well-being.
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: Cristina L
They are the best
They are the best! We lost our dog recently and they were amazing paying out a huge portion of the Pet hospital bill! I reccomend them to anyone who loves their pets.
5
out of 5
POSTED: | BY: Tran,
Happy customer!
Aspca has been so helpful with our vet bills throughout the years. Great service with fast response! We are lifelong customers!
5
out of 5
POSTED: | BY: Elaine
AWESOME INSURANCE
ASPCA is excellent health insurance for my dog. Claim forms are easy to submit and Customer Service is a pleasure to work with. Well worth the money. I wish my health insurance was as good as they are.
4
out of 5
POSTED: | BY: Emily
Good so far!
We've only had the insurance for a couple months, but so far it's been great! Our dog had a bout of severe vomiting very soon after it took effect. The process for filing the claim was pretty easy. We met our deductible and were refunded 90% of the amount over our deductible. We got the check pretty quickly, and an ASPCA rep called to check in.
I know from some friends who also have it who are dealing with canine cancer right now that there is a cap on how much they will pay out, so be aware of that.
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.