5
out of 5
POSTED: | BY: Eddie Gonzalez
Easy to understand and sign up.
Easy to understand and sign up.
Read more on Trustpilot
4.5
out of 5
Number of reviews 12,065
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: Carrie N
I haven’t had to use my insurance yet…peace of mind
I haven’t had to use my insurance yet but just having the peace of mind with a strong company makes life a lot easier
5
out of 5
POSTED: | BY: Leonard Acquilino
ASPCA has good selections
ASPCA has good selections for coverages that will fit you and your pets particular needs. Claims through the app went easy and fast. This is my first time putting in a claim. So far I'm happy with the process and the product.
5
out of 5
POSTED: | BY: Julia Sanchez
I very happy with the insurance for my…
I very happy with the insurance for my dog.
1
out of 5
POSTED: | BY: Emma Mason
Don’t waste your money
DON'T WASTE YOUR MONEY.
I got this insurance for my horse (yes, horse not a dog), and it's easily one of the biggest scams I've ever seen. My horse got a suspensory ligament strain as a result of an injury and they're refusing to cover a penny of my horse's diagnostic tests and any treatment. I've spoken with multiple reps who assured me that this injury and treatment would be covered; however, I was arbitrarily told it now won't be as they're considering this injury an "illness." I will promptly be telling every horse-owning soul I come into contact with to avoid this insurance like the plague.
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.