5
out of 5
POSTED: | BY: Rebecca Smith
Love this pet insurance
Love this pet insurance! Making a claim is easy and getting it was very fast!!
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4.5
out of 5
Number of reviews 12,057
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
VETERINARIAN: Falls Village Veterinary Clinic
POSTED: | BY: Bridgett Killian
Very pleased
The company I work for decided to offer pet insurance through ASPCA this year and coincidentally our family adopted a new puppy. We have filed several claims and have been reimbursed for items that were covered. The claim process has been seamless and our refunds are set up for direct deposit. My only regret was not signing up before we adopted so a few of the initial vet visits would have been covered as well.
5
out of 5
POSTED: | BY: Cathy
Immediate Attention to Clais
When I have filed claims, they act on them immediately.
1
out of 5
POSTED: | BY: Paula Caires
Do not recommend...
First time buying pet insurance and thought I was going with a reputable company. My very first claim for my dog's torn acl was denied. I called customer service and was told it was because there was a reference in my pet's records of occasional stiffness in that same leg, even though at which time the vet said her leg was fine and recommended a joint supplement due to common hip problems with labs...a totally different issue. I will be filing an appeal since my vet agrees the denial is ridiculous, but I assume it will be denied, and then I will be cancelling my insurance with this company. Lesson learned. Go elsewhere or skip the insurance altogether.
2
out of 5
POSTED: | BY: Tim
She is a puppy
My pet is 7 months old and they are requesting a full year of vet information prior to considering my first claim. So far not going well at all.
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.