5
out of 5
POSTED: | BY: Amy
Great experience
Easy tonuse website and straight forward review of policy coverages.
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,065
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.
4
out of 5
1
out of 5
POSTED: | BY: Eugenia Moreno
The subscription fee was automatically increased
The subscription fee was automatically charged to my husband's credit card, and I didn't notice that over the course of 2 years, the fee increased by 90%, going from $52 to $92. I submitted two claims, both of which were rejected with codes that I couldn't understand the real cause of. With a $500 deductible and a maximum out-of-pocket expense of $3,000, I'm struggling to see the benefits of this service. I initially registered because it was a benefit offered by my company, but now it seems like a total scam – a waste of both money and time.
3
out of 5
POSTED: | BY: Ollie
Only just signed up
Only just signed up. Can critique at later date
5
out of 5
POSTED: | BY: Jazmine Ellison
It was helpful I found the pet…
It was helpful I found the pet insurance through google
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.