5
out of 5
POSTED: | BY: Carrie
Great when needed
Pets can be expensive. Especially when they are very active. I love the fact that the insurance is there when I need it. And the reimbursement is pretty generous.
4.5
out of 5
Number of reviews 11,876
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: Kari Longshore
Great company that really cares about your pets!
Our last lab had to have both ACL's replaced, so we swore we would never have another dog without having insurance. We did a lot of research before purchasing a policy, and ASPCA was by FAR the best insurance! We now have 3 dogs insured with ASPCA, and we are so pleased! Our lab has a Acid Reflux, which was VERY hard for the doctors to finally get a diagnosis for. ASPCA has stood by us and been very generous in their coverage. We have had the usual stitches here and there, and belly aches that have all bee handled very well by them. I no longer have to decide whether I need to take them in if they are sick, for fear of a huge vet bill. It's a peace of mind for us! And their staff is amazing at calling and checking up on our pups each time they are sick! That is above and beyond what I would even HOPE for in an insurance company! I LOVE this company!
5
out of 5
POSTED: | BY: Mike
Health Insurance review
We obtained level 4 insurance for our Fox Hound when we got her in Jan 2008. Our previous dog had cancer most of his life and it was expensive. ASPCA insurance has covered just about everything although the dog is 9 1/2 and has never had any major medical issues. The premium is reasonable and we have no regrets.
5
out of 5
POSTED: | BY: S. Reeve
8 years and still going strong
I got ASPCA weeks after getting my new dog. I did it because I felt that I should, but with ASPCA I ended up getting so much more than I ever could've imagined. Since my dog is a mutt, I was surprised by the number of health issues she has had over her lifetime, but knowing that I have insurance makes those costly vet bills even more manageable. My dog is so much more than a pet...she's family, and she deserves the best. ASPCA allows me to put her health first, and finances second.
5
out of 5
POSTED: | BY: Henrik H
Excellent all the way
When my dog ate a piece of a toy, and consequently got sick, I didn't hesitate a minute to go to the animal hospital, knowing that whatever the outcome would be, ASPCA Pet Health Insurance would cover a fair amount of the bill. The claims process was simple and fast. Thank you for doing a great job.
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.