3
out of 5
POSTED: | BY: Donna Rapp
Not used yet can’t till after 1/17/2023
Not used yet can’t till after 1/17/2023
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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.
4
out of 5
POSTED: | BY: CONCEPCION SOARES
I do believe that this company is a…
I do believe that this company is a great one
4
out of 5
POSTED: | BY: Kimbery Cook
The information was clear and the…
The information was clear and the pricing structure was understandable.
5
out of 5
POSTED: | BY: Angela Gibson
Easy to pick and choose what you want…
Easy to pick and choose what you want for coverage and deductible. Very open about what is covered. No surprises so far.
5
out of 5
POSTED: | BY: Carrie Fenner
Totally worth it
I pay $35 /month for peace of mind. That doesn't cover well visits or shots, but it covers everything else. My 2 yr old standard poodle developed thrombocytopenia right before Christmas, requiring an emergency vet visit on Christmas Eve and multiple tests to figure out why she was so lethargic and bleeding out of every orifice. We had already met our $500 deductible, so we were reimbursed 90% of the $3000+ cost. Submitting the claims is super easy and the reimbursement is direct deposited into our checking account in about a week. None of our claims have been challenged, questioned or denied. In a world in which dealing with big companies, insurance, etc typically means waiting on hold, being scammed and not getting what you paid for, it's been refreshing to have such a straightforward and easy experience with an insurance company! If only human insurance could be the same.
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.