4
out of 5
POSTED: | BY: Trey Helton
Good service
Good service
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,063
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.
1
out of 5
POSTED: | BY: Mike L
Premiums increase by 20% YoY minimum and they will take months to reimburse you.
Premium increases every year by 20% like clockwork despite hardly submitting any claims. They will also take months to reimburse many times. Not worth it. Go with a better insurer for your pet
5
out of 5
1
out of 5
POSTED: | BY: Jeneal Burrell
Its been well over 30 days and I still…
Its been well over 30 days and I still havent received my check
1
out of 5
POSTED: | BY: Mylise Bennett
ACL Tears are injuries?
My dog tore her ACL so we brought her into the vet who recommended imaging and rest. We did both, confirmed it was a tear and then rested it for a few months hoping to avoid surgery. It didn't heal and surgery was performed. Unfortunately, ASPCA has denied her ACL tear due to it being an "illness". Even after phone calls where the customer service agents agree an ACL tear shouldn't be processed as an illness it still gets denied. I've called, emailed, appealed and I'm exhausted. It's disheartening to spend so much money on your pet, deal with surgery, rehab etc. and have to continue to fight for benefits you pay for. It should have been processed without an issue or battle. I would NOT recommend ASPCA Pet Insurance to anyone.
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.