5
out of 5
POSTED: | BY: Craig
I have zero complaints
They are fare when it comes to coverage, and excellent in regards to turn around time from when you submit until you receive payment.
4.7
out of 5
Number of reviews 11,652
Updated: May 29, 2024
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: Laura
The Best Customer Service!
My dog has liver issues, and though she was too old to get the alternative procedures rider, most of her yearly procedures are covered. My review would be a 10 if she was able to get the alternative care rider even as an old dog.
The customer service is above and beyond any I have experienced, What other company calls just to ask how your dog is doing? All my claims have been processed quickly and I never have issues getting answers to my questions.
5
out of 5
POSTED: | BY: Ruth
Pleasant & Helpful Staff
I have had very good experience with ASPCA Pet Insurance. The staff is always very pleasant and helpful and my claims have always been processed adequately. I even received a follow-up call to inquire how my pet was doing! I also like the fact that they accept the vet's invoice and doesn't require me to have to take it back for the vet to fill out the claim form and then make another trip back to pick it up. Thank you for your excellent service!
5
out of 5
POSTED: | BY: Jane Sokolow
Good insurance! So glad I have it!
I've had other pet insurance before, but I saw a tip in a dog magazine for ASPCA and after reviewing the features, I got it, mainly because it covered more than my old insurance. My coverage seems high until I need it. Vet practices need many more sophisticated procedures than in past years, and they do cost! I've been pleased with the efficiency and fairness of ASPCA insurance, so I'm sticking with them. I recommend it.
5
out of 5
POSTED: | BY: Debbie Kohlscheen
Multiple Dog Owner
We have multiple German Sheperds. After getting our second one a male, he developed severe skin infections, allergies to grasses, trees, weeds and FOOD. Without this insurance coverage I don't know where we would be!! It helps to know that you can count on ASPCA Pet Insurance to be there. They have always answered my questions, they have have been prompt with filing my claims. The vets office reports that they are always nice when they call to inquire about medical records. We have insurance on all three of our dogs. It is peace of mind for us. I would highly recommend them!!
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.