3
out of 5
POSTED: | BY: Ajeeth Komar
Very informative agents
Some time delay in processing claims…
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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.
5
out of 5
POSTED: | BY: Scott Kearney
My experience has been one of ease
My experience has been one of ease. I submit through the app. and then with time am reimbursed.
5
out of 5
1
out of 5
POSTED: | BY: Ashley Palinkas
Now taking 8 weeks for claims
I have 2 dogs insured and have been a customer with them for going on 4 years. I’ve had a good experience with claims being processed and reimbursed until this last year. They have been taking an extremely long time to review claims. I always submit claims right when I leave the vet and include the itemized receipt and office notes from the visit. I submitted a claim on 10/09 and didn’t get any response until 10/31 that they needed the full medical history. Well if you go through all the claims you have his full medical history. I re send his notes and still nothing. Now after a phone and waiting almost 4 weeks I’m being told it’s going to take an additional 4 weeks to process the claim. I’m now out almost $500 for 8 weeks! What kind of response time is that. You waited until the end of your 4 week processing time to ask for additional information so you can take even longer to make your decision and delay my money back. Yet you can keep raising my monthly rate for coverage. Take you raising rate and get either more competent employees or develop a new process for your claims. It’s getting ridiculous.
5
out of 5
POSTED: | BY: Jackie Odegard
The cost is very affordable
The cost is very affordable. The information is clear and tells you what is covered and what is not. Claim process is simple.
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.