4
out of 5
POSTED: | BY: Alicia Miller
Thank you
it was great I had a very nice rep call and ask about my pet , to see how he was doing and if I needed any more help ; I wish my reg ins would do that .Thank you
4.7
out of 5
Number of reviews 11,653
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: Joyce Agganis
Must Have
I took out health insurance almost immediately. My dog is my heart and i want to be sure i can protect her all her life.I m glad i did!
5
out of 5
POSTED: | BY: Melodie
Promp reimbursement
I go ta new dog and she needed everything. I received prompt reimbursement for her vaccinations and lab tests.The premiums on two dogs is sometimes hard for me to afford but I've had some steep vet bills before this insurance and this would have been nice to have
3
out of 5
POSTED: | BY: Sheri
Helpful
When we got our labradoodle puppy 4 1/2 years ago we knew she would likely be a handful and boy were we right! We are very glad that we got pet insurance as we have needed it a lot!
4
out of 5
POSTED: | BY: Lauren
Pet Insurance Is A Must
My dog accidently knocked his tooth out and had to get oral surgery. It was good to know that I had ASPCA to help me for unplanned pet expenses. My claim was very easy to submit and was processed very quickly
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.