5
out of 5
POSTED: | BY: Liza Mocorro
Customer & user oriented,
Customer & user oriented,
Site easy to navigate. Price and features competitive.
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.
5
out of 5
3
out of 5
POSTED: | BY: Judy
I want an ASPCA card to carry in my…
I want an ASPCA card to carry in my wallet. I've asked twice....no card and no human contact.
5
out of 5
3
out of 5
POSTED: | BY: Lois Graboys
Little or no constructive advice on how…
Little or no constructive advice on how to navigate site, policy, etc etc once you sign up. Am just trusting that once I file a claim the process will become obvious.
Update: appreciate the ASPCA response, but today a new issue arose. Received a marketing email from them stating for quicker processing when claims are made to enter my pet's "favorite animal hospitals", and a button in the letter implied it would take you right to the page to make the entry. No such luck. Went to every page and unable to find the place to enter the veterinary hospital names. I'm sure the place to enter is there somewhere, but it's not easy to find.
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.