5
out of 5
POSTED: | BY: joy locke
Good service
I was very pleased with the timely manner in which my claim was handled. Also the very courteous interaction with staff members. Thank you.
4.7
out of 5
Number of reviews 11,268
Updated: November 13, 2023
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: Larissa
Glad to have it for wellness and emergency
I've used the pet insurance for well visits, sick visits and emergency. It has always been a comfort knowing my black lab, Hunter, has been covered for a wide variety of vet visits.
5
out of 5
POSTED: | BY: sherry engler
I love ASPCA Insurance
I just love my ASPCA insurance and recommend it highly, the claims are paid quickly and customer service is very compassionte and helpful
5
out of 5
POSTED: | BY: Kat Ciemnolonski
I love it!
I am quite pleased with my level 3 policy. It has delivered exactly as promised and I love the low $100 annual deductable instead of having a smaller deductable but it being taken out of every claim. The only thing I would like to see more is to have my claims direct deposited to my checking like they auto debit my premiums.
3
out of 5
POSTED: | BY: Jennifer
Good except for usual & customary benefits limits
I've had this insurance for a couple of years now and it's always been easy to file a claim and they do always reimburse part of my bills without any hassles... however, I've never gotten anywhere near the 80% that they claim to pay... it's always far less than that- they claim this is because my actual bills are more than what they consider to be "usual and customary" costs. Which would be fine except that I'm not sure where they get those amounts from- I've had the same experience at multiple different vets in two states, so it seems that all vets charge more than what they believe is customary. Other than that insurance is fine, but I did opt for another carrier when I got a new dog last year- they pay 80% of the actual bill- no limits on the charges.
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.