4
out of 5
POSTED: | BY: John Moore
The application process was easy
The application process was easy, ASPCA follow up was even better
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,091
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: Holly Dorning
Customer service representative called…
Customer service representative called me to welcome me to ASPCA pet health insurance. They were kind, knowledgeable and even gave me great information to speed up claim processes ahead of time. Excited to see if this is the insurance for our pets.
5
out of 5
POSTED: | BY: carol schoen
I was very pleased with my experience…
I was very pleased with my experience in buying pet insurance through ASPCA. They were very helpful and unlike other companies I would be able to mail in my receipt from vet (claim). Most other companies think everyone as apps. Another thing they did not bombard me with unecessary e-mails.
Carol Schoen
5
out of 5
POSTED: | BY: Alyssia Torres
I have not took lola to any vet to get…
I have not took lola to any vet to get examined. But soon we will make our first visit
3
out of 5
POSTED: | BY: ashley miller
I honestly think that like any other…
I honestly think that like any other insurance company that if you pay for full coverage it should be available immediately. I had an emergency with my puppy and had to pay 600 dollars out of pocket for the bill. I was then going to call aspca because I have dog insurance with them bit sadly realized that my dogs coverage doesnt start until 8/1/21 so he wasnt even covered. It is very disappointing to say the least.
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.