5
out of 5
POSTED: | BY: Dorrie
Great insurance
My dog got sick and by having this insurance I got half of what I had to pay back. It is really worth having
4.7
out of 5
Number of reviews 11,652
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: Lynn Stein
Money Well Spent
After spending thousands of dollars to deal with the health problems our dog, Maverick, had when we rescued him, I decided pet health insurance might be a good idea. The expenses since then haven't been that great but having the insurance certainly has helped to defray some of the costs. I have recommended purchasing ASPCA pet insurance to my friends and family.
5
out of 5
POSTED: | BY: Helene Dolente
Helpful savings
Having pet insurance is very helpful with the cost of vet bills.
5
out of 5
POSTED: | BY: Dolores Majewski
Maggie's health
I have only had this insurance for 2 years, but so thankful to have it, with Maggie's health issues,it has helped,it is nice to have such caring people to talk with.
2
out of 5
POSTED: | BY: Linda
saved money with insurance
When my dog needed surgery I was able to recoup my premium and deductible, however the rate for reasonable charges is way under what the vet and hospital both charge. Many items (fluids for a dehydrated pet) are not even covered. Better than nothing. It sure would be great to know ahead of time what is going to be covered, what is not, and what is the customary charge - that would go a long way to preventing sticker shock.
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.