2
out of 5
POSTED: | BY: Dianne Cohen
slow reimbursement
I submitted a claim on 8/9/2023 and now the
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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.
5
out of 5
POSTED: | BY: Kelly Dean
It was so easy
It was so easy, but I can gat into my members log -in
5
out of 5
POSTED: | BY: Alexia Leach
Getting back on timely manner
Getting back on timely manner. Easy line access.
1
out of 5
POSTED: | BY: Jamie Zepp
Absolutely horrible insurance
Absolutely horrible insurance. I bought it waited the amount of days necessary for it to cover and then took my dog to vet. I submitted the claim, assume that they had paid it in my account and when I went to look, they had denied it. I took my dog in for a tiny bump on her ankle (I don't like bumps at all on my animals. I've lost one to cancer.)
They sent the claim back denied. Stated that ligaments and tendons weren't covered until after 14 days??????? Neither of those are applicable.
Absolutely not worth the money.
4
out of 5
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.