5
out of 5
POSTED: | BY: A. Mc
Reimbursement is reasonable.
Forms are easy to fill out and you are notified of insurance receiving your forms and they are being checked. Then notified when completed.
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: Kerry
Grateful for Insurance during Christmas Emergency
I signed up for ASPCA Pet Insurance in October 2011, "just in case." I have a healthy 2 year old goldendoodle named Coconut. Well, over Christmas Coconut got terribly sick - vomiting, diahhrea, the works. It was really scary. Because it was the holiday and her condition was so bad, they wanted to keep her overnight at the vet. Of course I wanted to do what was best for Coco, but goodness I was scared about the bill! It was such an unexpected expense to have at Christmas, which is already a time of year for spending lots of $$
The bill was about $700 and I got over $400 back from ASPCA (it would have been more but I had to cover the deductible). I was SO grateful for the insurance, it really helped. And thank goodness, Coco is back to her bouncy self!
5
out of 5
POSTED: | BY: Will
Great Service
ASPCA offers me piece of mind.
1
out of 5
POSTED: | BY: Disgruntled Policy
ASPCA Pet Insurance
I have had ASPCA Insurance for over a year now after transferring over from VPI. To date I have encountered multiple issues: Customer Service Phone Line - busy for over 10-15 minutes, requests leave a message, they do not call you back; losing claims - fax confirmation of their receipt of claim, while they don't seem to know where the claim is; no notification of claim status after 2 months; repeated emails and phone calls not answered appropriately by provider. I am sorry that I switched to their insurance.
4
out of 5
POSTED: | BY: Eileen Lawson
Excellent insurance & customer service
Purchased this insurance when I adopted a neighborhood cat, Miso. He was an older feline and we believe he received an abscess from a spider bite. He was very sick and it took months for him to recover. ASPCA pet insurance paid the claims quickly and I was satisfied with amounts of reimbursement. Then last year he became very sick with numerous liver and pancreas problems. Again, ASPCA Pet Insurance paid the maximum amount of my policy quickly. Miso passed away last month and when I remembered to cancel the policy I had a refund of my premium in less than a week. They also sent a condolence card which I very much appreciated. I will definitely purchase this insurance again when I adopt a new pet.
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.