5
out of 5
POSTED: | BY: Patricia Newman
Important Service. Great People.
I totally trust ASPCA for my dog's well being.
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: Lian
Great Insurance Options
I love supporting the ASPCA and the cover options are really great. I love how easy it is to submit claims and get refunded. Highly recommend!
5
out of 5
POSTED: | BY: Stacy
Moderate coverage for a reasonable price.
The coverage is okay. You get what you pay for, as with most things. I have not filed a claim yet, so I don't know how that process or the reimbursement process will be.
5
out of 5
POSTED: | BY: Christy Beagle
Hands Down--Best decision after I purchased my dog
When I first bought pet insurance I was made fun of by so many. Now, after going through 3 surgeries and 1 laceration repair, no one makes fun of me anymore. ASPCA has been the EASIEST insurance company I have ever worked with. I have submitted 3 claims online and been reimbursed with NO QUESTIONS ASKED. I recommend them to everyone.
5
out of 5
POSTED: | BY: Linda Connolly
I'm glad I had this insurance.
We had Jojo back and forth to the vet multiple times over a period of 8 months. A variety of symptoms were treated before the real problem was diagnosed. the insurance paid for most of the testing and treatment that he received. He responded well to treatment once the real problem was found.Someone called after each claim was submitted and paid to see how he was doing. I appreciated the concern that was shown.
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.