5
out of 5
POSTED: | BY: Michael
This is a good service
My cat had an ear infection and it required 3 visits and 2 rounds of 'at home' medication. We received checks promptly after our payments to the vet.
4.5
out of 5
Number of reviews 11,718
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: Janice DiCarlo
Excellent claim service
Freddie was scratching up a storm so we finally took him to a canine dermatologist. He was diagnosed with an excessive yeast production. The meds have certainly reduced the amount of scratching but he's looking at further tests. I submitted a claim to PetsHealth, and the claim was resolved in a very timely manner. In addition I was contacted by a company representative who was very sympathetic to Freddie's plight.
5
out of 5
POSTED: | BY: Janice DiCarlo
Excellent claim service
Freddie was scratching up a storm so we finally took him to a canine dermatologist. He was diagnosed with an excessive yeast production. The meds have certainly reduced the amount of scratching but he's looking at further tests. I submitted a claim to PetsHealth, and the claim was resolved in a very timely manner. In addition I was contacted by a company representative who was very sympathetic to Freddie's plight.
5
out of 5
POSTED: | BY: Barbara
Definitely not disappointed
My cat really scared me with her vomiting, diarrhea and not eating. I rushed her to my vet and they did a few tests. The result was a blockage in her bowel and to let it pass on its own. I was grateful I had ASPCA pet insurance on her. Tests on pets or humans is expensive. Then after I submitted my claim, I was informed that they were sending a reimbursement! Wow! Faster than human insurance! And then they called to see how she was doing. Really? Wow again! I'm referring this insurance to my friends who collect cats..LOL
5
out of 5
POSTED: | BY: Jean-Paul Rudell
A worthwhile investment
I have had pet insurance through Hartville Group for over 9 years on one dog and 6 years on the other dog. This year both dogs had separate, major surgeries. The insurance claims process went very smoothly for both surgeries and what would have been a major debt load had I not had insurance was only a minimal expenditure. However, where the insurance really came in handy was when the second dog's surgery went south and extraordinary life saving measures had to be taken. Having the confidence to know that you did not have to worry about affordability of the medical steps that were needed to save your pet's life was worth all of the years of premiums I had paid in the past and then some. Peace of mind at such a difficult time is invaluable and, certainly, working with the claims department at this insurance company is also a good benefit.
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.