5
out of 5
POSTED: | BY: Nadya Medina Parrilla
Great online experience
Great online experience. Easy to navigate, explore, compare and choose a plan.
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: Cindy Hernandez
The insurance I am thrilled with my…
The insurance I am thrilled with my complete coverage plan. I I feel like a responsible Pet parent. It feels good
5
out of 5
POSTED: | BY: customer
Great Pet Insurance Company
Great insurance company with great benefits. Great customer service. This is a really good insurance for any dog owners
5
out of 5
POSTED: | BY: Ransom Mayfield
I never received a confirmation email…
I never received a confirmation email once I completed the online process. I wasn't sure if my request was received or what day the coverage would start.
Edit:
Thanks for reply
1
out of 5
POSTED: | BY: Anya S.
Unfortunate initial experience
Signed my puppy up for pet insurance. There is a 14-day waiting period (some other pet insurance plans do not have it). Got a call from ASPCA Insurance to verify some things and told the customer service rep that our puppy was staying elsewhere for a couple of days, but he is ours and paid for. She said that the 14-day waiting period could only start from the day the puppy was brought to our house. I asked her where this is stated in the contract, she could not point me to that clause. She then offered to extend the 14 day waiting period to 14 days from the time the puppy comes to our house. To make a long story short, I canceled the contract and signed our puppy up with a different insurance company (which does not have a waiting period at all) - if this is how it starts, not sure how many more “exceptions” there would be.
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.