4
out of 5
POSTED: | BY: Sam Davidson
Reimbursement and follow up
I received my reimbursement and a very nice follow up call on a timely basis. Great company!
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: Dayana Coard
Glad we have pet insurance through ASPCA
Our pup is nearly one year old, and we've have to submit two claims. Considering what vets cost these days (and we love ours), ASPCA reimburses a decent amount.
4
out of 5
POSTED: | BY: Porter
Pretty good
We have had to use the insurance twice and were o.k. with the coverage. I thought we would get more money back, but something is better than nothing.
3
out of 5
POSTED: | BY: Ileana
Illness exclusion upon policy renewal
We have always carried pet health insurance for all our dogs. Our claim history with Zuzu our 9 yr old mixed dachshund is scarce as we really had no terrible incidents, thank God. However I am very scare of that renewal clause in which any illness during a policy period will be considered a pre-existing condition, after certain age we all including pets develop arthritis etc. In Zuzu's case arthritis is the issue. If the insurance carrier offers a guaranteed coverage for an additional fee, this offer has a minimal disclosure, just to make sure that the majority of people will not even notice it. It is unfortunate that pet insurance is so deceiving and unregulated, pet owners consider their pets as their children and after years of paying for costly insurance premiums is heartbreaking to find yourself financing out of pocket your pet's medical needs. I intend to review all the pet insurance carriers in the market when my renewal approaches.
4
out of 5
POSTED: | BY: Ron
A big help
Rusty got sick quickly and it got very expensive very fast. It was nice to know that relief would come by getting these bills covered by insurance.
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.