5
out of 5
POSTED: | BY: Elizabeth Mondor
Follow up call
After I purchased the policy, a representative called me and reviewed my policy.
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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.
1
out of 5
POSTED: | BY: Susan Economon
Claim unpaid
I have been a customer for over a year. An approved claim in Dec. 2021 has not been paid. I have contacted by phone and email several times over the past six months. Checked and remedied their incorrect address for my account in April. A customer service rep stated that my check was processed (for the third time) on May 6, 2022 and should arrive shortly. No check has been received. I emailed one last time on 06/06/2022. The company has not responded. I have submitted my complaint to the BBB as of July 5, 2022.
5
out of 5
POSTED: | BY: Kevin McDonnagh
Easy and straightforward
Easy and straightforward
3
out of 5
POSTED: | BY: Kelly Drake
Could be much better
Premiums are high, which would be fine if there were 100% reimbursement rather than 90%. Also, reimbursements take far too long to process.
5
out of 5
POSTED: | BY: Bessie Lindell
The website was very easy to read.
The website was very easy to read.
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.