5
out of 5
POSTED: | BY: ally g.
10/10
easy to access and great/affordable coverage
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,085
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: Jacquelyn Stimson
good value for the coverage
good value for the coverage. I have not had to use the insurance yet so we'll see how that process is when the time comes.
2
out of 5
POSTED: | BY: Javier
Well I dislike the fact they do not…
Well I dislike the fact they do not disclose the fact that you cannot amend some of your coverage after you purchase the base insurance for your pet after the fact. You have to wait a whole year in order to do that. Now I cannot get preventative measures done for my dog such as vaccines, anti-parasitical medicines reimbursed. I have to pay out of pocket
1
out of 5
POSTED: | BY: Kathy F
Don’t bother — all claims denied
Submitted 3 claims and all were denied. Customer service refused to discuss claims with me.
5
out of 5
POSTED: | BY: Cherrolyn Jackson
One time
Got on the phone and it didn't take long .
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.