5
out of 5
POSTED: | BY: Patricia Vail
excellent
My dog suffered meningitis and my ASPCA insurance has been a godsend! Easy to make claims and fast efficient service.
4.5
out of 5
Number of reviews 11,840
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: Pam Crane
Efficient Reimbursement Process
Over the six years I have had ASPCA insurance I have made two claims. The most recent was for treatment for toenail bed squamous cell cancer and toe amputation. Filing the claim was easy and reimbursement was fast. I am pleased with the service.
5
out of 5
POSTED: | BY: Angela Goff
Wellness Check Up
I took my dog in for his shots and wellness check up. I filed a claim the next day by logging into my account and it took minutes. So very easy.
5
out of 5
POSTED: | BY: Laurie Mulford
Love the wellness rider!
I've had other policies before,but none that covered general maintenance. ASPCA helps cover vaccinations, heart worm tests and preventative care. All These can add up. My claim was processed very quickly.
1
out of 5
POSTED: | BY: Sean
Deny Claims Often
They denied multiple claims because they were not titled how ASPCA would have liked them. I paid 150 for a vet visit thinking most of it would be covered. The exam, heartworm, and vaccinations. After the claim came back, their titles were different than my vets titles for the exam, and my vet checked for heartworm, which the company read as giving heartworm mess. Overall terrible unless you have an animal that will never get injured or need to go to the vet
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.