5
out of 5
POSTED: | BY: Geneva Feaster
Easy to set up
Easy to set up. Website was awesome
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,136
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: Michelle Barbara
Excellent communication
Excellent communication
5
out of 5
POSTED: | BY: Donna
Claims
Anytime that I have submitted a claim they have paid their portion back to me which is 90%. I have never had any problems with submitting bills and getting reimbursement.
1
out of 5
POSTED: | BY: mark atkinson
I filed a claim and the support staff…
I filed a claim and the support staff was very nice, no issues with them at all. My dog has had issues in May with his stomach but our clinic have not been able to figure out why he was throwing. Prior to getting insurance he had an issue the vet prescribed a few pills to help settle his stomach which we used from time to time over a month. It's a French Bulldog and they tend to have digestive issues and he was fine until Sept and had a bout with his stomach and we call and could not get into see the vet until Dec whcih at that point they prescribed about 4 meds and stated to keep him on his strict diet which we have. Our bill was $336 and once I submitted the claim they needed med records which the vet provided and at that point they decide it was "pre-existing condition" which is a crock of "you know what " I called and got the standard well he a condition back in May so unfortunately it's not 180 days from the
"pre-existing condition" so we can't take anything off your deductible and all the meds will not be covered. I tried in vein to explain but of course no assistance and I'm trying to explain you take my $143 every month and the 1st claim I submit is denied because a dog can't throw up for 180 days or your out of luck. BUYER BEWARE! I really thought his was a great way to protect our dog I assure they didn't ask me any questions nor did they ask my vet. Just requesting medical records does not indicate it's related. Ask questions many before you sign on.
5
out of 5
POSTED: | BY: Crystal Hernandez
I like it
I like it. Very polite and understand
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.