5
out of 5
POSTED: | BY: KAELAN MARKS
good and cheap coverage
good and cheap coverage
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,719
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.
1
out of 5
POSTED: | BY: Juanita Gonzales
I will only give them a "1 STAR" I have…
I will only give them a "1 STAR" I have NOT had A GOOD EXERIENCE with ASPCA on my Claim reimbursement and their app is not user friendly to type anything regarding your claim. This is very frustrating even after I emailed them invoices, they are requiring much more stuff that does not make sense. I feel they are just trying to buy time to deny my claim. I will cancel and look elsewhere for insurance for my furbaby Ms. Felix.
1
out of 5
POSTED: | BY: Customer
Very Confusing Coverage
Very confusing coverage. Had Complete coverage and Preventive Care Basics for two cats. Took both to vet for annual wellness visit, which is reimbursed under the Preventive Care Basics plan. One cat had a tender knee when vet touched him, asked us if he had been acting differently. Nothing outstanding but we had noticed he walked down stairs and played differently as if protecting his left back leg. As a result of that visit, we were denied reimbursement because the Vet found an issue during his annual preventative visit. ASPCA or underwriter stated because the vet found an issue the appointment changed from annual visit to Complete coverage and deductible applies, regardless of the fact the receipt proves his appointment was an annual wellness visit. There are too many pet insurance companies to fight about claims with one. I pay around $80.00 a month for both cats. The office visit was $70.00. We should have been reimbursed $50.00 for office visit but was denied.
5
out of 5
POSTED: | BY: Deborah
I was looking for a company that fit my…
I was looking for a company that fit my budget. This worked best
5
out of 5
POSTED: | BY: Linda
They’re for you when you need help.
Without this insurance I may not have been able to afford the help my pet needed.
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.