How long does it take the ASPCA Pet Health Insurance program to process my claim?

According to their website, ASPCA Pet Health Insurance completes claims within 30 days or less. The company has a Member Center where you can track the status of your claim.

Does the ASPCA Pet Health Insurance program offer coverage for preventive care?

You can choose to add one of our optional preventive care coverage plans for a little more each month. Each one has a list of covered services, and each service has a set maximum annual benefit amount. There’s no deductible or co-insurance amount. These benefits are available as soon as your plan is effective. Preventive Care is not offered as a standalone policy.

How does the ASPCA Pet Health Insurance program send payment?

ASPCA Pet Health Insurance sends reimbursement for eligible costs through depositing directly into a bank account or by senfing a check in the mail. The choice is up to you.

Is there a limit to the number of claims we can submit?"

There is no limit to the number of claims that can be submitted. Claims should be submitted within 270 days of the date of service to be eligible for processing.

ASPCA Pet Insurance Review 2026

4.5

out of 5

Number of reviews 12,095

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.

out of 5

POSTED: 03/31/2020 | BY: Karen Riley

Satisfied Customer

A neighbor recommended ASPCA ins. to me when my lab puppy was one. Rather than spend a lot of time researching other ins. companies, I took his advice and bought the ASPCA. About 3 weeks ago, I thought about dropping the policy as my lab is now three years old and past the puppy stage. Boy am I glad I didn't get around to it bc Gus swallowed a small ball when playing at the dog park. Inducement not successful so major surgery followed with 3 days in hospital. As per my policy, 90% less deductible was covered quickly and smoothly. Could not have been happier and will never consider canceling again. Thank You! My pup is great and well on the mend.

Great insurance.

Great insurance and easy to submit claims. And with direct deposit, easier and quicker to get reimbursed.

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out of 5

POSTED: 03/31/2020 | BY: Caleb

Nice Experience

Website is easy to utilize and the process is seamless

Get ASPCA Pet Insurance!

ASPCA has been fabulous! They have been super supportive and calling to check in on our pup! Our claims have been processed in a very timely manner and I’ve recommended them to several friends.

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out of 5

POSTED: 03/31/2020 | BY: Richard Blake

The only complaint I have is that it…

The only complaint I have is that it takes a long time to get the estimates through billing and get paid on them.

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 Insurance detail

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.

Provider website

Advertiser Disclosure: The Company receives compensation from the third parties included on this site which includes payment for clicks from the Service to Insurance Providers’ sites and quote requests generated. We also receive payment from advertisers to feature in emails we send to users who have opted in to receive offers from third parties. It is this compensation that enables Company to provide you with services at no cost. We strive to provide a wide array of offers, but our offers do not represent all pet insurance companies or products.

ASPCA | Pet Insurance Review

Satisfied Customer

Great insurance.

Nice Experience

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The only complaint I have is that it…

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Age Limits

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Exclusions

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