5
out of 5
POSTED: | BY: Joshua Smith
Processed claims without issue or confusion, just not very transparent about timing.
Good chat today with my reviewer. Happy that my claims have been processed without issue.
4.5
out of 5
Number of reviews 12,063
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: Linda O’Hars
My kitty is alive because I took out this insurance.
I would not have been able to get my cat the necessary procedures if I hadn’t had this insurance.
5
out of 5
POSTED: | BY: Lisa Seltmann
ASPCA Pet Insurance is the best!
I have had some pretty large claims on 2 pets recently. ASPCA Pet Insurance made it so easy to send in my claims on the website. They have a really quick turnaround time on the processing and paying out the claims. The customer service is very helpful and nice. They even preapproved a large estimate within 2 hours. So far, I have been very happy with ASPCA Pet Insurance and would highly recommend them!
5
out of 5
POSTED: | BY: C.J L.
Quick response, super helpful
Great service super helpful!
5
out of 5
POSTED: | BY: Sequora johnston
Efficient, easy
ASPCA insurance was great. The entire claim process took only 5 days from submission until I was reimbursed. I didn’t have to talk to anyone, it was all done online. Someone even called 2 weeks later to make sure my dog was okay.
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.