5
out of 5
POSTED: | BY: Maria Dimaano
VERY GOOD
I'M VERY HAPPY THAT MY DOGIE UNDER THIS INSURANCE. VERY SATISFIED WITH EVERYTHING
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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.
4
out of 5
POSTED: | BY: Charlotte McLendon
Very good company
We have been very pleased at their responsiveness. Claims payment has also improved greatly in the last year, since the online claim filing debuted. I don't know what we would have done without them when our dog was attacked by a much larger dog, and needed emergency surgery at out local university. They generally end up paying about 60% of total cost (80% of the allowed amount)
5
out of 5
POSTED: | BY: Linda C.
Excellent!
Good coverage, excellent customer service and follow up.
3
out of 5
POSTED: | BY: Tina Boyle
Decent insurance
Generally good insurance, although high rates per month (especially with Wellness plan). The rates that are considered customary and reasonable are quite low for someone living in NYC like myself. The claims process is easy and you're able to complete online.
4
out of 5
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.