4
out of 5
POSTED: | BY: Joanne
Affordable pet insurance
Easy online application process
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: Thom Forsyth
ASPCA covers almost everything and…
ASPCA covers almost everything and returns your claim super quick!
1
out of 5
POSTED: | BY: Kelly Sorci
Don’t be deceived by their great ratings, I was…
I have had and still have an ASPCA pet insurance policy since 2021. I have attempted to file several claims for my puppy French Bulldog throughout the last year, and this company has paid only 1, $20 claim to reimburse the microchipping. Every claim was denied under the excuse of “pre-existing condition”. I bought the insurance 2 months after owning my dog (but before his airway issues were diagnosed). The policy claims they will pay for congenital or breed known issues. Ha! Lie! After my experience, I’m thinking unless you buy a policy BEFORE you own the dog, or by the 1st day you own the dog, they can claim “pre-existing conditions”. Furthermore, I started with a premium of $45, and the same coverage increased to $65 in the course of a year. Oh and after paying a couple thousand in medical bills, (gastrointestinal issues, and an orthopedics evaluation) none of that qualified to be applied towards the $500 deductible! Such a scam! Racket. This company gets excellent ratings all over the internet. It looks good on the surface, but my real life experience tells me otherwise. I will be cancelling this policy at the renewal.
5
out of 5
POSTED: | BY: Eugenia
Very Satisfied
I have been with ASPCA Pet Health Insurance for almost 5 years, and I am happy with both the cost and coverage. I file my claims online, and on the one occasion I called customer service, the person who assisted me was very courteous and helpful. Every now and then a claim takes a while to process, but I understand that claims are in queue and processed as soon as possible. (My last preventative care claim only took a few days to process.)
3
out of 5
POSTED: | BY: bbirch
a little unclear about when & how to…
a little unclear about when & how to submit vet charges
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.