5
out of 5
POSTED: | BY: Joe
4.5
out of 5
Number of reviews 11,794
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: Vivian
Makes it possible for me to have my Mr. Niles
I have had ASPCA pet insurance since I brought Mr. Niles home as a puppy. He has had two major bouts of severe bloody diarrhea and vomiting both times requiring extensive testing and hospitalization and was close to death. Each time, ASPCA paid about two thirds of the bill, both bills in the low thousands of dollars, and a big chunk of a hospital visit for a swollen paw which resulted in a bill over one thousand dollars. What is really impressive is the fact that they call to see how Mr. Niles is doing and show genuine concern. Because of this insurance, I feel at peace knowing that I can always get medical care for Mr. Niles. I am very happy with ASPCA insurance.
5
out of 5
POSTED: | BY: Angela Dickinson
Best decision I made as a pet owner .
I love the peace of mind I have by having pet insurance for my Labrador, Mae. I never let the high cost of veterinary services hold me back or sway a decision of taking her in. I can always make sure she receives the best care and recommended treatment no matter the costs. I have am reimbursed most of the money I pay. The monthly payment is well worth it.
5
out of 5
POSTED: | BY: Nancy S
Fast and Friendly!
I have always carried ASPCA Pet Insurance on my dogs ever since I learned bout their insurance. This gives me peace of mind for my dear "children".
I recently filed a claim after taking my 13 year old female lab mix (April) to the vet. The outcome was good for my little girl. Thank goodness!
But your question is: How was the insurance coverage?
I filed the claim and received reimbursement within a couple of weeks. The process was quick and efficient. I simply scanned in a copy of my vet's invoice and clicked a few buttons to file the claim. It was very easy.
Afterwards I was very impressed that a kind staff member from ASPCA Pet Insurance called to check on April. He was very sincere and kind. I do not think he was just "doing his job" and fulfilling a duty. I was very pleased.
I do not make a lot of endorsements, however I recommend ASPCA Pet Insurance to my friends. I hope you find this insurance to meet your needs as well.
Thank you!
5
out of 5
POSTED: | BY: Morlene
Thankful for ASPCA Insurance
Jack will be 7 yrs old in December. He is a Bichon Frise/Poodle. What a WONDERFUL addition to my home. I am 69 yrs old and THIS IS MY FIRST DOG (my first pet)!
So like my first child I want to take good care of him.
I knew I should have health insurance for him so contacted ASPCA and it was an excellent choice. I hope not to HAVE TO MAKE CLAIMS but it does happen and they are great about letting you know how the process is proceeding.
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.