5
out of 5
POSTED: | BY: Judy
Easy and efficient.
Simple to go online and add a claim. Easy to track and then the money is refunded directly to my bank account.
4.5
out of 5
Number of reviews 12,090
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: Pam
Exceptional Customer Service
Best decision in choosing to buy insurance with this company. They Are efficient, caring and supportive. I've enjoyed my experience with them to date which has been nothing but positive and stress free.
5
out of 5
POSTED: | BY: Brian
Best pet insurance you can get!
I've had aspca pet insurance for over 8 years now for my two italian greyhounds and the coverage has helped us with meds, cancer surgery, teeth cleaning and general well being. And the representatives who work for aspca are so genuine and caring. I strongly recommend them!
5
out of 5
POSTED: | BY: Jon
Amazing customer service
Hartville was an absolute life saver when Chloe got sick. The ultrasound visit was almost $700 and they reimbursed me in days! Also making a claim online is incredibly simple and fast, could not be happier with them.
5
out of 5
POSTED: | BY: Megan
Very pleased with our pet insurance
My claim was processed very quickly. Claim was very easy to submit. I was called twice from the insurance company just because they wanted to check and see how mittens was doing. Very caring employees and I couldn't be more pleased.
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.