5
out of 5
POSTED: | BY: Adalgiza Elamir
Excellent feedback and prompt review of…
Excellent feedback and prompt review of claims
Read more on Trustpilot
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.
5
out of 5
POSTED: | BY: Suzanne
Made decisions a lot easierI
I insured my boxer girl, Macy, when my boxer boy, Brody, was terminal with cancer. He was 10 at the time and had had three knee surgeries and several health issues. I checked into insurance as Macy was four years younger and hadn't had many health issues. I also insured my cat, Bentley, who was a few months older than Macy. Bentley was the one who ended up needing the insurance first. He started having liver issues. It turned out he had a thymoma tumor by his heart. With ASPCA insurance I was able to get him surgery to remove the tumor. He was with us for a year and a half longer, but he succumbed to his health issues. They paid for his cremation too. They have also been great with issues with Macy, such as a low grade cancerous leg tumor, dental disease and when she was attacked by our other dogs. Unfortunately we are now putting them to the test again, as she was recently diagnosed with degenerative myelopathy, a doggie form of Lou Gehrig's disease. I would rather not have to use our insurance, but it has made treatment and diagnostic choices a lot easier. I give them a 9 instead of a 10 because at times, the claims can take several weeks to be completed. But so far they have come through for us on the medical needs for both Bentley and now Macy. I recently insured our newest additions, 3 kittens. As per our experience at this point, I highly recommend ASPCA pet insurance.
5
out of 5
POSTED: | BY: Betty
Must have for dog owners.
This is much more than I expected dog insurance would be. Very easy to file claims, I am kept updated on status.
5
out of 5
POSTED: | BY: Jenna Cellino
I'm so glad we decided to get ASPCA…
I'm so glad we decided to get ASPCA insurance for our new puppy! They have great customer service and are very quick with everything!
5
out of 5
POSTED: | BY: Suzanne
Everyone is soo helpful. And happy! I have never had a bad experience.
I love having our insurance with you guys. The staff no matter who or when you call are really always happy and they help you with a thousand questions ( which I always seem to have ) if I have to say one not so great thing is they never contact you by phone only by email when they need info which is fine for most people but I do not have email on my phone or even look everyday so I would wish they would call me when they need something but other than that the customer service is stellar and the rates are good.
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.