4
out of 5
POSTED: | BY: Rene Levesque
Denise tardiff
Yes so happy
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,718
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: Kaitlyn
good insurance. premiums increase & slow claims
I appreciate the support from ASPCA and their coverage limits. However the claim process is quite delayed (~30 days) and I didn’t appreciate the level at which my premium increased in just a year (>30%/year).
5
out of 5
POSTED: | BY: Elizabeth Cordero
Customer service was awesome and…
Customer service was awesome and knowledgeable, compassionate and understanding.
5
out of 5
POSTED: | BY: Lynda Hudson
I have had ASPCA Pet Health Insurance…
I have had ASPCA Pet Health Insurance for over 4 years and am really happy with the coverage. Sometimes it takes a while to receive reimbursement (over 30 days), but after working in the Property Casualty Insurance industry over 40 yrs, I understand that backlogs happen.
2
out of 5
POSTED: | BY: Juliette Martin
If you are looking for behavioral…
If you are looking for behavioral assistance and chose this insurance company based on their policy including behavioral issues- turn away. They’re okay for other issues. I am stuck with them now since they now have my dogs health history.
I had just paid for 5000$ out of pocket for my dogs surgery so pet insurance was essential for me for all future needs. I was then given the run around about getting my dog behavioral training for his actual aggression/anxiety. I had a diagnosis and letter from the vet. It’s so bad that he has to be scheduled last for appointments and I was trying to nip it in the butt while he was still a puppy. I was told they can’t even pre approve any trainers. The trainer I use is aba qualified and sent all her certificates to the agency.
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.