4
out of 5
POSTED: | BY: Courtney Thomas
Aural Hematoma
Trigger suffered an aural hematoma as a result of an ear infection. I submitted my claim and was reimbursed about 80% of the total cost so, not bad.
4.5
out of 5
Number of reviews 11,860
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: Yolanda Spitz
Thank you
Our Golden Retriever suffered 2 torn ACL's one year apart. two years ago.Her surgeries were successful and she has been a happy and healthy best friend since that time. It was our first experience with Pet Insurance and a very good experience. Her needs were met, the result of the surgeries all we could ask for and all accomplished in textbook order. Thank you for helping to make a very difficult time less so.
5
out of 5
POSTED: | BY: Pat Tyrone
Kidney disease
First time I entertained pet insurance after spending thousands on my prior cats due to urinary infections. I still have one female cat who requires constant care for same problem and is not covered by insurance. I adopted another cat who was 4 yrs. old and decided to look into pet insurance and finally considered ASPCA hoping I would not have problems, but needless to say, she was diagnosed with Kidney problems. All claims submitted were dealt with on timely basis and had no issues with anyone. However, based on the comments from D. Fallon and others, I'm wondering if I renew the policy will the kidney problem be considered pre-existing and denied should she not be cured at the time of renewal?
5
out of 5
POSTED: | BY: Ted Groszkiewicz
I'm grateful for the help
My buddy Ren, is a 3 1/2 year old tan tabby rescue. He's been my best buddy for the past 2 years. Three days before Christmas the urine balls in the hatbox shrank to 1/2 normal size and then stopped. Poor guy was in discomfort. I took him to the vet, and we began a repeating ritual ofIIV fluids/meds, Catheterizations and trips between our vet and the Emergency Vet hospital for overnight ICU care. By Christmas it was cleat that Ren would have to have a perineal urethrostomy or be euthanized. I lost my last cat to urinary problems when she was only 10, and I couldn't bring myself to do it again.
I didn't remember that I had pet health insurance until after the surgery was done and Ren was back at home. Ben's bills were very expensive. I was glad that the insurance paid for about 2/3 of the bills.
5
out of 5
POSTED: | BY: Sari
They make insurance more pleasant
While I wish I could get paid back more of my claim (I live in New York and they pay back based on reasonable average rates. Nothing costs a reasonable amount in New York) the customer service is excellent. They always call and check in on my pet. And filing claims has now been made super easy, with online filing. They make the painful experience of insurance a lot more bearable.
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.