5
out of 5
POSTED: | BY: Kimberly Foster
I am pleased with the coverage.
I recently submitted our first claim for our lab. I was pleased with how it was handled and how quickly we received payment.
4.5
out of 5
Number of reviews 11,864
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: Galina
Must have for pet owners
I have two shelter dogs, and I have ASPCA insurance for both of them. This time we visited a vet for an annual check up, and a my vet office submitted claims, so I didn't have to do anything. It is very convenient!
5
out of 5
POSTED: | BY: Patty
Every little bit helps
This is my first year with pet insurance and been very glad I have had it. With 3 dogs, vet bills can get expensive at times. Every little bit helps with the bills and having this pet insurance is my safety net. Should have done this years ago!
5
out of 5
POSTED: | BY: Jo
Affordable Well-Being
We've had four dogs on this insurance, and it's worth every penny. We were faced with a huge Vet bill shortly after beginning coverage, and this insurance allowed us to give our dogs the best possible care. Reimbursements are prompt and the staff is helpful.
5
out of 5
POSTED: | BY: BarbaraJean Brooks
Excellent
My large 5-year old goldendoodle required cruciate ligament repair. The representatives at ASPCA Insurance were very helpful and all was resolved happily for an expensive surgery.
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.