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.
After 2 foreign ingesting and surgeries I got accident insurance.ASPCA has covered torn ACL, ripped dewclaw, emergency care after ingesting marihuana. It has more than paid for itself
5
out of 5
POSTED:
| BY: Amanda McAllister
Couldnt have asked for a better pet insurance!!
My cat Toby broke his femur and had to have it removed because it could not be reconnected. He is not even 2 yet and has had to have 2 surgeries. The first time he had a blocked intestine. We regrettably did not have pet insurance so after that 1,700 i did my research and found the AMAZING aspca pet insurance. It is very affordable being $10 per cat a month, it is so worth it. The customer service was outstanding!! They called just to see how he was doing! They truly care. His surgery total was almost 1,900 but we only ended up paying $352 out of pocket and thats including the $100 deductible! I would honestly recommend it to everyone! I wish i could tell strangers LOL if only i had known sooner i would have signed up ages ago. I truly appreciate you aspca! You saved my kitty <3
5
out of 5
POSTED:
| BY: RCS
paid all claims
ASPCA has covered costs for skin growth removal, medication for UTI and costs of ER visits.
5
out of 5
POSTED:
| BY: Laurie
Great Service
We use this ASPCA insurance for both of our dogs and they have given us great service!
1
out of 5
POSTED:
| BY: Maureen Meyer
Do Not Trust the ASCPA for Pet Insurance
I got insurance for my dog Jetta about 3 years ago, as piece of mind after hearing from a fiend the cost of keeping her dog alive when he chewed up a toy and had to have surgery. I decided right then I couldn't afford to have a bill like that and would investigate pet insurance for Jetta. I had just recently adopted Jetta from the shelter and it soon became clear to my vet that Jetta had became incontinent due to a bad spaying when the Dr. nicked her bladder. Jetta will need to be on Proin 50 for the rest of her life to control the leaking. When I called ASPCA Pet Insurance and told them, they said there would be no problem, I had the top coverage and it would be covered at the 90% as detailed in the policy. I had nothing to worry about, HA HA HA. That was a joke. Not only was it not covered at the 90%, only a portion was covered, I was told to see the "acceptable rate clause", which DOES NOT DETAIL the actual rates. I was told by one of the reps, they cant publish these rates because they can change.
Then, after a year of actually getting reimbursed at more like 30%, I was told I had a ANOTHER deductible I had to meet before anything would be covered again, the Continuing Care deductible. Would of been very helpful and really just basic customer service for the rep to of walked me thru that at the time of purchase. Additionally, after a year continuing care is NEVER covered at 90%, but now is only eligible for the 80% coverage. So now I spend about 50 bucks a month for coverage, plus the 100$ deductible for the coverage and another 100$ deductible for the continuing care coverage and even at that, they really only cover what they want. The Acceptable Care rates are not published so I actually never know how much of the Proin 50 will be covered, but because this awesome company didn't tell me about this "clause" when I spoke on the phone with them for over an HOUR, BEFORE I bought the policy, I am sort of stuck. Jetta is only getting older and as you will find out the older a dog gets the more expensive coverage is.
Avoid this company, the customer service is pretty awful. The people on the phone are "nice" but the info they give you, which they will only point out if they don't want to pay, is CRAP. Even if they tell you something is covered they, there is another clause (in the small print) that says are not responsible for covering anything, even if you call and ask. What's the point of having customer service if the service they
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.