4
out of 5
POSTED: | BY: Julie Parker
Haven't had it long enough to rate it.
Haven't had it long enough to rate it.
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.
4
out of 5
POSTED: | BY: J Renee Coker
It's hard to write a review for a pet…
It's hard to write a review for a pet insurance you haven't yet used. So if you want a review for the sign-up process...it was fine. Thank you.
4
out of 5
POSTED: | BY: Kathay Lovell
Recently I submitted my bills easily…
Recently I submitted my bills easily this time and had a fairly quick payment. I have recommended ASPCA insurance to many friends.
5
out of 5
POSTED: | BY: Debra Lacy
Highly recommend
Highly recommend, customer service always answers my questions in a timely manner and this plan is helping me so much as we have a very challenging medical issue going on with our pup! So glad I went with ASPCA!
5
out of 5
POSTED: | BY: Beverly Upson
Listening means so much
I made the mistake in opening a plan at Banfield pet hospital not knowing that I could not get out of it. However once I looked at the difference an compared what I was getting through ASPCA I'm very grateful that I have them and I wish I could cancel Banfield!⁹ The support calls from ASPCA AND KNOWING THAT THEY ARE THERE LISTENING MEANS SO MUCH!!!
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.