5
out of 5
POSTED: | BY: Ritsuko Hannon
Very good and fast
Very good and fast
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,059
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
1
out of 5
POSTED: | BY: Brandi Heath
If your pet injures another limb
Claim was denied on my dog for his surgery for torn ACL on left leg even though injury happened after waiting period and insurance was in effect. Since he had sustained an injury to his right leg prior to insurance coverage they considered this a pre existing condition since it’s another limb. When I had called to check on coverage and surgery after visit to get done on injury to left leg the representative never said or explained if he had the same possible injury to a different leg the surgery wouldn’t be covered.
4
out of 5
POSTED: | BY: Grace Schmidt
Good so far
Good so far. Haven’t had a chance to use it yet though.
5
out of 5
POSTED: | BY: Candice Chacon
Always a Smooth process
Everything is so easy to do online. They're communicative and process all claims quickly. Very happy I never have to call in, lol.
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.