5
out of 5
POSTED: | BY: Richard Baldwin
Awesome experience
Awesome experience. Easy as apple pie.
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,062
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: Christine Ryan
ASPCA: flexible coverage + vet recommended
ASPCA was recommended to me first by a fellow member in a Facebook Group, and then also by my vet as the pet insurance that she selected for her own dog. Online, I appreciated how easy it was to select different coverage amounts (annual max, % reimbursement, and annual deductible) and see how the different options were priced as a monthly payment. GREAT WEBSITE, thank you!
5
out of 5
POSTED: | BY: Sean Durham
This insurance has been worth the money.
This insurance has been worth the money. The app is great and simple to use. Claims are processed quickly.
4
out of 5
POSTED: | BY: Daniel Clyburn
A customer service agent who kept his promise
Jason assisted me with a payment issue. He said he needed to research on my issue and he would call me back. 2 days later he called as promised and had my issue resolved and i received payments. Thanks Jason for following up and actually calling me back with everything already completed.
4
out of 5
POSTED: | BY: Tamila nichols
Claims
This process took 2 weeks before complete and our wellness first appointment was denied due to my vets wording, be clear with your vet about wording is a claim is intended. Insurance company did great customer service was informative even reviewed records in case wording was just missed.
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.