5
out of 5
POSTED: | BY: sally dolen
Good insurance
I;m happy with this insurance
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.
4
out of 5
POSTED: | BY: Sharon Twentier
My Safety Net
We have been fortunate that our beagle has not had any major accidents or illnesses. But you never know what he'll get himself into tomorrow. Having ASPCA pet insurance helps to give me the peace of mind that I will be able to help my dog should he have a problem. A lot of our friends have not be so fortunate, and chose to put their pet down when faced with huge medical bills.
4
out of 5
POSTED: | BY: rachelle feldman
great insurance, easy to send in by email
We took out the insurance for catastrophic things, and so far luckily have only had to use it a few times. Quick response from the company and easy to submit the forms on line, a necessity since we travel around in a trailer for 8 months out of the year.
5
out of 5
POSTED: | BY: Linda
Dependable insurance.
As the owner of two senior pets, it has been helpful to have ASPCA Pet Insurance. I know that I will not have to be under financial stress if my pets suffer from an accident or serious illness.The only flaw is that my veterinarian is sometimes slow about filing out their portion of the paperwork. That has caused some delays.
1
out of 5
POSTED: | BY: michael pantaleoni
This is a horrible plan
Make certain that you receive Clearly Identified Exclusions. Otherwise you will wind up paying premiums to no effect if your pet becomes ill with anything that can slide under their exclusions. I will Not recommend ASPCA pet health insurance to anyone. I plan to appeal for what I consider an unfounded decision.
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.