1
out of 5
POSTED: | BY: Camille
Never would recommend them
They wanted your money but when it came to filing a claim they did not want to cover anything. Typical for an insurance company.
4.5
out of 5
Number of reviews 12,057
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.
3
out of 5
POSTED: | BY: Marai
ASPCA
I have been with ASPCA for a while. I really like the 100 dedcutable per YEAR and not incident. HOWEVER, I recently found out that if my dog got diabetes on June 30 (my renewal is July 1) she would be covered for that one day only. I thought she would be covered for the entire year. I a have been looking at other insurances and so far..... Pet Plan might be good.
5
out of 5
POSTED: | BY: Maki
My crazy girl and her borther
My baby girl Kira attacked her littler mate rother, Rocky. They do play rough sometimes but this was all out fight. Sweet Rocky defended himself but did not inflict any wound to Kira. We had to take Rocky to the vet for stiches. Bills weren't huge, but we are already feeling bad about dog fight, Rocky's wound and cost of vet bill. I was actully not sure if dog fight was covered, so I called ASPCA insurance. Operator was really nice, and claim process was simple. Before I had to pay credit card bill, I received a check from them,
5
out of 5
POSTED: | BY: Penny
Ecellent Customer Services
I have a 10 year Old English Sheep dog, name Gurt, she has a lump on her face and thank goodness it is not cancer. They removed the lump in surgery and then she had blood in her stool, good thing it was only stress from the surgery. Gurt is doing great and ASPCA was excellent. I never had Health insurance for her, it was a relief with all that happen in a short amoutn of time, received checks in a timely manner, they even checked up on Gurt. Thank you ASPCA for taking older dogs. Customer Service was excellent as well with question I had concerning my claim forms.
5
out of 5
POSTED: | BY: Kim Devitt
Lovin' ASPCA pet insurance!
I have a 1.5 year old corgi mix, Olive, who in the past year has had three incidents that had me taking her to an emergency vet on a Sunday afternoon. These incidents ranged from abcesses, eye infection, diarrhea and things of that nature. I felt a bit guilty for having to file three claims in such a short time, but was so greatful to have this insurance. ASPCA's people who I talked to several times on the phone in each of these incidents were always terrific. I love that they always seemed genuinely concerned for how Olive was doing. Actually, there is never a need to HAVE to talk to anyone on the phone. Their process for filing is very easy. The turnaround for receiving reimbursements is fairly prompt. I was able to track the paperwork via the internet also. Again, just a very smooth process with some caring and capable people just a phone call away.
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.