4
out of 5
POSTED: | BY: james
So far so good...I have only been with …
So far so good...I have only been with aspca for a couple months.
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4.4
out of 5
Number of reviews 12,145
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: Rachel
Amazing Experience
I have two large dogs that are insured through ASPCA. We have had the insurance for several years now and it has been a life saver. It has meant that we don't have to worry about cost when something happens to the dogs. Filing a claim is so easy and the payment is quick and easily understood. I am so happy we have insurance through them and will continue to purchase it in the future.
5
out of 5
POSTED: | BY: eulelia
great insurance and service
this pet insurance is great claims addressed quickly and always do a follow up check on the pet that is insured customer service and reps are very up to date on questions and can give a satisfied answer to any question asked.
5
out of 5
POSTED: | BY: Tim
ASPCA cost is reasonable and the coverage is great.
Very responsive, good coverage. I have had this for my two dogs for 4 years and am very happy with it
5
out of 5
POSTED: | BY: Vicke
So glad I switched Luke to ASPCA insurance
Luke had been insured by another carrier for a number of years, but their premiums kept going up and up, more than 300% over 3 years. Also, things like preventative care, checkups and prescriptions were not covered unless I wanted to purchase their "premium rate coverage" for $185/mo. ASPCA covers all of this and for about half that amount. The claim process is really easy and I usually have the reimbursement in about a week. Also, their customer service staff are really kind and helpful.
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.