5
out of 5
POSTED: | BY: Rhonda Lee
They have been good to work with.
They have been good to work with.
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4.5
out of 5
Number of reviews 12,057
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: Rita Chietera
Customer service is always very…
Customer service is always very helpful, knowledgeable and sympathetic to whatever the problem is at the time. Claims are processed in a timely manner.
5
out of 5
POSTED: | BY: Jenni Lynn
I submitted my claims and they were…
I submitted my claims and they were processed quickly.
5
out of 5
POSTED: | BY: Bunce
Highly recommend this pet insurance!
This is the best company for pet insurance. Filing a claim online is easy and it is reviewed promptly with any reimbursement money going directly into my bank account quickly. Their service center is the best as you can always talk to a live person and get clear answers to your questions.
1
out of 5
POSTED: | BY: Wendy Weintraub
ASPCA is the WORST pet insurance out…
ASPCA is the WORST pet insurance out there! They’ve gone downhill severely in the last 2 years! They rejected a claim stating that the condition started prior to me having the cat who was rescued off the streets… So how are they stating it’s a preexisting condition, when the cat had never been seen by a vet before I rescued it. The vet put a wrong date in the record and send a letter to clear it up, taking accountability for their mistake, BUT ASPCA still rejected claims stating preexisting condition… it’s a scam “insurer” RUN DON’T WALK AWAY!!!
I encourage any user who has been denied a claim improperly by this sham of an insurance company to please file a complaint with the National Association of Insurance Commissioners (NAIC) against them! If you search NAIC file a complaint, you will find the form, as this site does not let me include a link
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.