5
out of 5
POSTED: | BY: ElizabethB
I Love the app
I Love the app
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: Stephanie K
I will not renew this insurance
I will not renew this insurance. It is not worth what I paid to have it. Only one claim has resulted in going toward my deductible and I still haven't met it. If you want pet insurance, make sure you read reviews ahead of time. What they say is covered ends up being 'pre-existing' and they won't pay a dime of it.
5
out of 5
POSTED: | BY: Veronica Trama
Easy to enroll
I couldn't believe the how easy it was to enroll my two puppies and also the fees super affordable!! Truly happy with the outcome.
2
out of 5
POSTED: | BY: Jan Sidebotham
Not worth it even though customer service folks were nice
The short story:
$556 insurance: $765 charges: $205 reimbursement.
(and my insurance goes up to $628 in a few days which was news that was not emailed to me and was buried in the website.)
$1,116 expended. With insurance. Without insurance: $765.
I understand that insurance is for the what-if situations and you often don't get back what you pay in premiums. But I paid roughly $880 for a what-if situation (surgery) and was reimbursed for less than ONE FOURTH.
The long story:
*Bill for hot spots: $117 - not covered because the dog had previously had hot spots. (That amount is not figured in my calculations.)
*Bill for bordatella. Not reimbursed -- not considered preventative care $30 charge; ($25 allowed amount)
*Bill for $696 for surgery -- removing a weird tumor on dog's leg. Allowed amount: $180
*Bill for pre-op blood test -- $`171. Not covered because of on-going treatment. Huh? The growth shows up, and this is considered on-going treatment, though it's preparation for the surgery?
*Bill for wellness exam: $67 Reimbursement: $25.
I don't think I'll renew.
5
out of 5
POSTED: | BY: Marta Unker
Phenomenal customer service.
Phenomenal customer service.
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.