5
out of 5
POSTED: | BY: Adam Gundy
good insurance..
Fair price, pays claims reliably.
4.7
out of 5
Number of reviews 11,523
Updated: May 29, 2024
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: Kathie Schick
Petshealth insurance has been a blessing!
I first purchased pet insurance after I spent $700+ at the emergency vet when my dog was a puppy and ate some flowers that made him sick. Since then, in addition to normal care, it's been there through kidney stones, kidney infection and bladder infection at the same time and - most recently - meds, exams and surgery related to his eating a rock. I love that the deductible is $100/yr instead of a per-visit deductible. Submission for reimbursement is easy claim processing is fairly quick. Having the insurance provides such peace of mind that I'll never be without it again.
5
out of 5
POSTED: | BY: A. Yeo
Fast, efficient claims processing
The claims process is very easy - scan the vet's bill and attach it to the email to submit the claim! Claims are processed quickly and the reimbursement is directly deposited into the bank account. Can't ask for an easier claims submission and reimbursement process.
5
out of 5
POSTED: | BY: Craig Miller
great customer service
We have had a great experience both with insurance and customer service! Thanks ASPCA!
5
out of 5
POSTED: | BY: Scooby
upset tummy
My RATCHI started voting and not eating for a day or so at time. Had lots of gas and a little bloated. He had an ultrasound, urinalysis, blood pressure medication. Aspca insurance puts my mind at ease. They contact us to check on Scooby, and when calling the office they look I into your file and try to infirm you correctly. And if the person helping you can't they find someone who can instead of just assuming. I always recommend ASPCA they are AWESOME.
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.