5
out of 5
POSTED: | BY: B Guthery
Excellent insurance!
This is my best choice and experience.
4.5
out of 5
Number of reviews 12,059
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: Elizabeth Harrison
Helping me and my Coby
I have been very pleased with ASPCA insurance. Claims are handled quickly. It's a good feeling to have the coverage at such a reasonable price.
4
out of 5
POSTED: | BY: mjk33
Really good over all
They've been very helpful over the years, and we've received good coverage. Just wish the monthly premium wouldn't go up so much each year. I believe my dog's coverage was initially under $80 monthly, and after 5 years, it's now almost $150.
5
out of 5
POSTED: | BY: Dr. Bob
Great Support
ASPCA has done a wonderful job regarding my claims associated with my Bernese Mountain Dog -- two expensive claims for two different ALC injuries. Thank you ASPCA for your professional attention and quick claim resolutions -- much appreciated.
5
out of 5
POSTED: | BY: PJ Hamel
Never a hassle
We've had quite a few claims on our dog, as he's a hunting dog and tends to be quite active in the woods. Every claim I submit is processed without question, and without hassle. The customer service agents even call regularly to check and see how our dog is doing! This is an outstanding company.
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.