5
out of 5
POSTED: | BY: Diana M.
Good Experience with our Claim
Our dog had a cyst removed from his snout. ASPCA's claim forms were easy to complete and the payment came in about 2 weeks.
4.5
out of 5
Number of reviews 11,720
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: Craig
When You Least Expect It...
I've searched all pet insurance carriers and ASPCA still came out on top for the value combined with coverage. Our 8 y/o miniature schnauzer became extremely ill with gastrointestinal symptoms and had to spend a night in the hospital. Claim reimbursement was pretty quick at just under a month.
5
out of 5
POSTED: | BY: elaine yurkovich
great insurance
covered smokeys wellness exam at 80% which was great and also when mimi had both ears infected and had to be hospitalized pd great on that too
5
out of 5
POSTED: | BY: Lani Verzillo
Able to ensure the best care for my dog
My pet had tumors on his side, in his mouth and on his leg. Concerned with them being cancerous, with my pet insurance having the flexibility to have them removed was comforting. My two claims were handeled within three weeks of submitting and most of the fees were considered reasonable and therefore, reimbursed at the 90%. When reaching out with questions, I have found the ASPCA folks to be very friendly and helpful. I would highly recommend.
5
out of 5
POSTED: | BY: Jessica
Lifesaver
My Ember was unexpectedly diagnosed very early (4.5years) with a disease and I could not be happier that I had chosen to start her life off with this insurance. ASPCA has been honest, prompt and apparently offers the Continuing Care (which I am so glad I added) that is not offered by comparable insurance companies. I would never have been able to give her the amount of care that I have without the insurance. I am thrilled to say she is doing fantastic, but I know if the problem arises again, I will still have some help along the way.
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.