5
out of 5
POSTED: | BY: Darlene Jackson
Every dog needs insurance.
Growth in her right upper eye lid, and a lump on her snout.My claim was paid within 2 weeks. Very happy with the way my claim was handled.
4.5
out of 5
Number of reviews 11,868
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: Vince
It's worthwhile
I have an eight and a half year old lab mix. She tore both ACL's and had three surgeries before she was 4 years old. Without pet insurance I would still be paying back what I owed. The only drawback is if your pet comes down with an ailment in your coverage year, and the ailment returns after your policy renews, your pet is no longer covered unless your pet is "cured" for 180 days. That is the only reason why I will not rate this service a perfect 10.
5
out of 5
POSTED: | BY: Jean Smith
Very helpful with cost.
Fast service, good coverage
4
out of 5
POSTED: | BY: BONNIE BEEGUN
COMMUNICATION
I FOUND THEM VERY HELPFUL WHEN I QUESTIONED THE COVERAGE FOR AN UP COMING CLAIM.
5
out of 5
POSTED: | BY: Tove Ford
It's a winner!
I've been delighted with ASPCA Pet Health Insurance. I have a large pitbull mix named Waldo, who had needed veterinary care a number of times in the last year. Unfortunately, we had to change vets three times before finding one that was a good fit for Waldo. Since his medical history is sparse, I wasn't aware that he has adverse reactions to many drugs, as well as a very sensitive stomach.
ASPCA Pet Health Insurance has been great, covered all Waldo's care according to the plan I purchased and called to follow up each claim to see how he was doing and if everything was okay. Payment was made quickly and no questions, even though the changing of vets and treatment for reaction to medications must have seemed confusing.
My mother has pet insurance through another company and her experience with them has been a nightmare, with claims always rejected or questioned and every attempt made to minimize payouts. She's about to get with ASPCA Pet Health Insurance instead. I would recommend them without reservation. Two thumbs up!
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.