5
out of 5
POSTED: | BY: Delta Helmer Pelgrim
Thank you for taking care of my needs…
Thank you for taking care of my needs while my pet is so ill.
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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.
4
out of 5
POSTED: | BY: LinWil
Insurance claims
The insurance claim process worked very well this time. The form is readily available & easy to fill out. The form was scanned & emailed. I received a reply of receipt right away. The evaluation process was fast & a payment was made to my bank account to finalize the claim.
This was the complete opposite from the claims I did 1 year ago, & I feel like something has changed within the system - & for the better. It seemed like the evaluation process wasn't completed, & any reimbursements were denied because of lack of verification. It was disappointing.
I'm happy that the process appears to have improved.
5
out of 5
POSTED: | BY: Margaret Tyson
Always available, very clear with answers to questions, can count on the insurance to cover the insured costs.
Very good communication, all questions addressed, and all expected veterinary expenses covered.
5
out of 5
POSTED: | BY: Linde Crittenden
Great Coverage
ASPCA Pet insurance is great. It is easy to file claims and the response time to verify a claim is quick. Plus the reimbursement is in your bank within a day or two. I would highly recommend this service to anyone looking to insure their pet.
4
out of 5
POSTED: | BY: Courtney M
They are great
They are great. My only reason it's a 4 star is because they do take a very very long time to review and process your claim.
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.