5
out of 5
POSTED: | BY: JFLII
Good reliable service
Have had this insurance for years, and have never had any complaints
4.5
out of 5
Number of reviews 12,063
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: Kim Hartman
This was the smartest purchase I made all year
My family purchased the most adorable double doodle (goldendoodle/labradoodle) puppy in early August. I went back and forth on purchasing insurance, did a lot of research, and finally decided I would go ahead and get ASPCA (the best rates by far). I cannot tell you how thankful I was that I did this. On September 29, our puppy was running full speed and then took a tumble while screaming in pain. It was awful. Turns out that he suffered a tibial tuberosity avulsion (a broken knee) when he apparently stepped in a hole while at full speed and displaced his kneecap as well as breaking it. Three days in the hospital and a major surgery with quite a few follow-ups. The insurance was amazing. Quick turnaround times and great coverage. It wasn't 100% coverage, but it covered a majority. If I had to do it all over again, I would choose ASPCA insurance for every pet we have or get. I cannot say enough about this great product and company. By the way, the customer service is also stellar. They even called just to check our Schroeder.
5
out of 5
POSTED: | BY: Humberto
Money well spent
Our pets are family members and they get sick and have accidents just like us. We have submitted claims for our Papillon for a torn ACL and fractures leg. Our ASPCA pet plan covered the majority of the expense. They issued a prompt check after submitting our claims and were followed by a call to check up on our pet.I high recommend getting this insurance for your pet.
5
out of 5
POSTED: | BY: Deborah
Excellent
I have 6 Cats, (AKA, my Fur Babies)Insured with this Health Plan. I chose the Insurance Plan that covers Wellness as well as illness or injury. I bring my Fur Babies yearly for an annual exam, I am a stronger believer in preventive medicine. When I submit a claim for Wellness Exam, I am quickly reimbursed by the Insurance Plan. Two of my Fur Babies have been treated for illness, knowing I had Pet Insurance gave me comfort, as treatment can be costly. After the Claim Forms were submitted, I was very pleased with the turn around time in which I received reimbursement as well as the amount of the reimbursement that I received. Thanks very much!
5
out of 5
POSTED: | BY: Judith Laroche
Great and reliable insurance
I really like this insurance company. I submitted my claim on 11-20-2016 and received notification that the claim was completed on 11-30-2016. The deductible is only $100 per dog per year and I will receive 90% of my claim. I honestly wish that I could use this insurance for myself!! The process is very straightforward (only one page to fill out) and as noted above, I received my reimbursement 10 days after submitting the claim. I also like that a rep calls after your claim is processed to tell you that the claim is available and to ask how your dog is doing. The people at the company seem to have a genuine interest in the health of your dog. I HIGHLY recommend this insurance company to someone who needs affordable insurance for their pets.
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.