5
out of 5
POSTED: | BY: Jackie Martinez
Very easy to sign up
Very easy to sign up. Great and affordable coverage options
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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.
5
out of 5
POSTED: | BY: Raylene Myers
Incredible and trustworthy
ASPCA Pet Insurance had been nothing but incredible for Picasso. I've left his annual deductible at 250, annual coverage at 7-10k each year since he was 3 and have reached it twice. Their claims process has been so easy. I'm able to upload my invoices by pictures to their online portal and the longest part is waiting for my vet to send records. Claims during COVID took longer because like everywhere else they had short staffing but they were transparent with estimates on claim completion. ASPCA has covered his TPLO, arthritis, IBD, prescription food, longterm medications, CT, and now chemotherapy. My only mistake was decreasing his coverage thinking I could make it a year at a lower rate but naturally that's when cancer hit. Their customer service has been incredible, employees have been realistic and pleasant, and reimbursement has been quick ( 1 week to 1month during covid). Their premiums aren't the cheapest I've seen but their coverage was the most comprehensive when I signed up. Rates do continue to go up, but so does everything in life. I've thankfully never used it for my cat but I have no doubt they would be just as amazing with her as they have been with Picasso. I recommend them every chance I get!
5
out of 5
POSTED: | BY: Raylene Myers
Easy, convenient, honest
ASPCA Pet Insurance had been nothing but incredible for Picasso. I've left his annual deductible at 250, annual coverage at 7-10k each year since he was 3 and have reached it twice. Their claims process has been so easy. I'm able to upload my invoices by pictures to their online portal and the longest part is waiting for my vet to send records. Claims during COVID took longer because like everywhere else they had short staffing but they were transparent with estimates on claim completion. ASPCA has covered his TPLO, arthritis, IBD, prescription food, longterm medications, CT, and now chemotherapy. My only mistake was decreasing his coverage thinking I could make it a year at a lower rate but naturally that's when cancer hit. Their customer service has been incredible, employees have been realistic and pleasant, and reimbursement has been quick ( 1 week to 1month during covid). Their premiums aren't the cheapest I've seen but their coverage was the most comprehensive when I signed up. Rates do continue to go up, but so does everything in life. I've thankfully never used it for my cat but I have no doubt they would be just as amazing with her as they have been with Picasso. I recommend them every chance I get!
5
out of 5
POSTED: | BY: Sam G
Enrollment was easy
Enrollment was easy. Follow up phone call to check on me and my horse was appreciated.
5
out of 5
POSTED: | BY: Donna Henry
Fast and incredibly simple process!
Fast and incredibly simple process!
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.