5
out of 5
POSTED: | BY: Shaddy Ibrahim
Excellent service
Excellent customer service
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,064
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: Nicole
I highly recommend ASPCA Pet Health Ins
We've had ASPCA Pet Health for 10+ years. We've also tried some other pet health insurances when we've adopted new family members but we've always switched them over to ASPCA. It's easy to use, easy to know what you can get reimbursed, and they quickly process your claims.
5
out of 5
POSTED: | BY: Wayne Person
Reliable and Fair
I have just resigned with ASPCA Pet Health Insurance for our new dog, Biscuit, This was based on having coverage with other animals in the past, mostly cats. When we needed coverage for our most recent cat, who we spent about $6,000 trying to save, ASPCA was there for us and settled our claims very fairly and very quickly. It frankly was a "no brainer" for us to put our new dog under their coverage.
5
out of 5
1
out of 5
POSTED: | BY: Ken K.
Caps on annual or long-term illnesses far too low
I have two dogs, one that was insured with ASPCA, and another with Pets Best. The costs are the same, but the coverage is very different. Both of my dogs have long-term care illnesses (Addison's disease, and Irritable Bowel Disease). ASPCA has a lifetime cap of $2500 for continuing care. That amount only lasted three years, and now all expenses are out of pocket. Pets Best has no lifetime cap on continuing care, which is a relief for a dog that has an illness that will last his entire life. There are far better insurance plans for your pets than ASPCA, which was a surprise to me because of all providers, I would expect better coverage from a charity that prides itself on care for animals. Unfortunately, because my dog insured with ASPCA now has a chronic illness, I cannot change policies because she has a pre-existing condition.
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.