4
out of 5
POSTED: | BY: Monica CECILIO
My pet
So far having insurance has been wonderful. Knowing I'm covered for all emergencies is wonderful.
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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: Darryn
Good coverage
Good coverage, reasonably priced, and coverage for preventative care is a big plus! Also love that it's through ASPCA since that's who rescued my fur baby.
1
out of 5
POSTED: | BY: MCB
Awful
The continuing care part of the policy is absolutely insane and clearly doesn't have the best interest of the pet or the owner in mind, especially when it comes to major issues like cancer. My dog needed a growth removed from his hip last year and because the plan renewed in between visits, the $3k limit was reduced to $1k because it was considered continuing care. The growth returned this year and I just learned that the $1k limit is lifetime. When issues are covered, they are slow to reimburse. Look elsewhere, I insist.
5
out of 5
POSTED: | BY: Cindy
Customer service was great TY!I look…
Customer service was great TY!I look forward to the ASPCA helping to care for my rescue !
5
out of 5
POSTED: | BY: Stacey Y. Peters
Great response to inquiry!
Great response to inquiry!
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.