5
out of 5
POSTED: | BY: Melissa
Fast and Efficient
Very quick and efficient. Love it and would highly recommend.
4.5
out of 5
Number of reviews 12,062
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: Mary
Peace
I have had my puppy since September 2016 and he has had his share of issues. So very thankful for my ASPCA pet insurance. It gives me peace of mind to know many things are covered. Customer service is always kind and helpful, claims are paid promptly. So very thankful for this insurance.
3
out of 5
POSTED: | BY: Sanford Garrett
You Don't Get What You Think
ASPCA pays 90% of the AVERAGE cost of treatment for the area in which you live. After submitting claims from 4 different vets in 3 different locations, I was displeased to find everyone of them was considered well above average. As a result, the payout was closer to 75% than the 90% I expected.
5
out of 5
POSTED: | BY: Don Cookle
Best Pet Insurance Available.
They are conscientious and empathetic towards owners and their pets alike. They settle claims with no hassle.
5
out of 5
POSTED: | BY: John Terelle
When I Needed Them They Were There
I have had 2 dogs, Anya and Nico, covered by ASPCA for years and had never had to file a claim. Around Thanksgiving of 2016 Anya (who is 15 years old) became listless and stopped eating. This went on for a number of days and we decided she wasn't going to "come around" and we felt we needed to take her to a hospital. They determined that she had a high fever and put her on intravenous antibiotics, but she didn't respond. We thought we would lose her. After three expensive days of tests and treatment her fever finally broke and our little pup suddenly became her active old self!ASPCA paid about 2/3 of her almost $3,000.00 hospital bill (which was about what I was expecting according to our plan) and they paid it almost immediately which was very reassuring to us. When we finally needed them they were there for Anya!
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.