5
out of 5
POSTED: | BY: Cresencio David Torres
Easy to navigate website
Easy to navigate website. Good listing of insurance coverage.
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4.5
out of 5
Number of reviews 12,064
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
1
out of 5
POSTED: | BY: Joanne Smith
Today I cancelled my coverage…
Today I cancelled my complete coverage plan for my cat due to the difficulty in getting my claim paid. After two plus weeks after submitting, I received an email apologizing for the delay "call volume higher than usual...", then another email, "more information is needed ..." this in regard to a prior vet visit for specific dates that did not actually include any visit to that vet. I followed up explaining that the dates did not include this visit (no wonder the prior vet did not reply), but ASPCA Insurance denied my very recent claim even though my current vet provided requested information. It's as though I hadn't said a thing, they completely ignored my contention that they had asked for dates of service to a former vet when that vet did not treat my cat during these dates. Why did I bother to explain!
I am requesting ASPCA Insurance revisit this claim and acknowledge their mistake. It is easier to get my own health care needs reimbursed, than it is for my cat! Very disappointing outcome.
5
out of 5
POSTED: | BY: T S
Noice
Good service although took longer to process than expected.
5
out of 5
POSTED: | BY: JP
The representative was very helpful and…
The representative was very helpful and knowledgeable. It was a very nice experience doing business with her. Thank you.
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.