5
out of 5
POSTED: | BY: Judy Gimpel
Customer Service excellent
If I would have one complaint, it would be the wait time to talk with a representative
4.7
out of 5
Number of reviews 11,627
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: Ken Hendricks
Customer Oriented
We've had pet insurance through Petshealth Car Plan for over 10 years now. The customer service has been a big help - especially when we have submitted some rather large claims in the past. They have also come quite a long way in terms of claims processing turn-around time. I have recommended their plan many times to friends and collies (I mean colleagues!).
5
out of 5
POSTED: | BY: Lucy
so far worth the premium
Over all, I'm pleased with the coverage.
5
out of 5
POSTED: | BY: Katie Young
Safety-net
I bought an ASPCA policy for each of my two dogs. My intention was to have a safety-net for the bowel obstruction that was headed my way. In the meantime I am using the policy for some reimbursement for vet bills for my dog with atopic dermatitis. I think the premium, coverage and deductible are priced fairly. I like being able to submit claims via email. I've appreciated the reply email (although non-specific) stating that my claim was received. It took a little longer than I expected to receive the first reimbursement (3-4 weeks) but that was likely due to the fact that I didn't submit documentation from my vet. Overall I'm am very satisfied.
4
out of 5
POSTED: | BY: Cherri Sims
Every little bit helps
My sweet Nooa had a growth on his side that had to be removed. Thank goodness it was just a fatty mass & nothing serious. The claims dept didn't understand the way my vet does his receipts. So after I called to check on the claim & explained how it was done, they processed the claim 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.