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.
Correction: they will only due 1 ACL no matter what.Also, the Continuing Care is only available before age 9yr.
Which they didn't mention in their notices and discovered when I called to inquire about it when my dog was 9yrs 1-1/2mos.
4
out of 5
POSTED:
| BY: Wendy
Claims paid w/o hassle but read the fine print
Had a Premium policy for 7yrs. They pretty much paid all my claims according to my policy w/o any trouble. The clerk at my vet also confirmed that they were one of the companies that were more hassle free. I've been reimbursed for spontaneous pneumothoraic(?), foxtails surgically & non surgically removed, dental extraction due to peridontitis, cysts removed, amputated tip of tail, dental cleanings, flea & heartworm meds, annual exams/vaccines and eye infection.It is important to read the policy thoroughly. Claims MUST be made within 180days and any condition must be deemed cured for a designated time before they will pay for it again. That includes ACL surgery for the opposing leg and possibly cataracts surgery for the other eye. The biggest drawback is that you must pay extra for "Continuing Care" if you want treatment to carryover to the next policy period. Claims processing and reimbursement is slow.
They recently upgraded their coverage to be more competitive with Pets Best. A plus is deductibles are annual not per incident.
5
out of 5
POSTED:
| BY: Jill Erbe
ASPCA is a great insurance.
You guys are great with all my pets.
3
out of 5
POSTED:
| BY: Maria
Pretty Good but.....
Customer service is great. A little slow in processing of claims, it seems like it takes a little too long for the claims to be processed.
5
out of 5
POSTED:
| BY: Victor &
Always reliable, always there!
Izzie, our 2 y/o Whoodle (Wheaten Terrier/Standard Poodle mix)is a bundle of energy, afflicted with multiple medical challenges, since she joined our family when 10 weeks old.A few days after she came home for the first time, we shopped online for a good medical insurance plan for her.
The ASPCA plan fit our needs exactly. It would protect Izzie very well, particularly in case of any serious illness or accident, while also "protecting" our family budget. We are school teachers and need to be financially mindful. Well, as it turned out, for the first year or so of Izzie's life, she suffered just about every imaginable illness. She had skin diseases, gastro-intestinal things, dislocated ACL (twice), compromised stool samples (as puppy, Izzie had a knack for getting into, and eating, everything she could find, that was guaranteed to give her the runs. After she turned a year old or so, although most of her puppy year's challenges were overcome, she then began to suffer a pernicious skin infection that culminated in successful consultations with a dermatology veterinarian. We tell all this, because our intial decision to select the ASPCA insurance plan for Izzie was Heaven-sent. The plan's management never, never, questioned treatment options or costs by Izzie's veterinarians...always processing dutifully and on time! We've chosen to contribute to ASPCA initiatives as we can afford to do so, particularly since the ASPCA has been very generous in their coverage of Izzie's medic
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.
