5
out of 5
POSTED: | BY: Leeboop
Agent was friendly and helpful
Agent was friendly and helpful
Read more on Trustpilot
4.4
out of 5
Number of reviews 12,170
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: Tom Tischler
Can't Cancel/Stop Auto-renew?!?
I can not believe this company does not have a way to turn off the auto-renew of the policy. You have to call the day before and actually CANCEL the policy to prevent them from charging your card again. They are higher than most of the other companies. I've done the comparisons and will be going to another company. This was my first time having pet insurance. I did have to file 1 claim. Once the vet sent the information in, then I was able to get the reimbursement.
3
out of 5
POSTED: | BY: Robert D
I like ASPCA
I like ASPCA, but the claim process has been difficult. For example if my dog went to the vet for wellness check, and they received the vaccine that is included in my coverage and I miss selected the correct treatment it would not be covered even though on the paperwork it clearly shows that my pet received that treatment.
5
out of 5
POSTED: | BY: Shannon Andress
Highly recommend for peace of mind
I had such a great experience with ASPCA that I switched all of my dogs insurance over to them. I have felt that my claims were processed quickly and honestly, and the customer service has always been friendly and helpful. I recommend ASPCA to anyone searching for pet insurance.
5
out of 5
POSTED: | BY: Madelyn Andrews
Insurance that's there when you need it
My healthy dog had a sudden illness this year. It was very scary, he lost 25% of his body weight in three months and he was suddenly loosing the ability to walk. The vets couldn't figure out what was going on at first. Eventually, we learned it was PLN, protein losing nephropathy. A kidney disease that made his body attack himself. The solution was some new medications and a diet change. I am so grateful for how painless ASPCA Pet Health Insurance made this whole process. It was so easy to upload invoice from the vets and get direct deposits straight to my account. The website was easy to use and track how my claims were progressing. Everything was so straight forward. I recommend ASPCA Pet Health Insurance to any pet owners I know who are curious. Worth every penny. It's so rare to feel like your insurance is there for you when you need it and we're so grateful. Can you guys do humans, too?
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.