5
out of 5
POSTED: | BY: Wendy Johnson
Excellent
Excellent! Great customer service, easy to use, quick reimbursement!
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,092
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: DEBONIS, STEPHANIE
I haven't used the insurance yet but…
I haven't used the insurance yet but the sign up was easy and made clear on coverage without having to click into to many pages
5
out of 5
POSTED: | BY: Eli Sanchez
Easy to apply and affordable to have!
Easy to apply and affordable to have!
5
out of 5
POSTED: | BY: Jessica Boyd
Very easy and fast to enroll your pets.
Very easy and fast to enroll your pets.
3
out of 5
POSTED: | BY: Lorelei Edrosa
Your customer representatives were…
Your customer representatives were awesome. It’s your process that baffles me as I did have a previous account for another pet that passed away over a year ago so that account was closed but why are you keeping that account like it’s still open and Keeping my billing (payment) information from that account. And that billing information had to be updated when I already paid for this first month for a different pet with a different payment method. That just doesn’t make any sense.
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.