4
out of 5
POSTED: | BY: Fila Owner
Fast reimbursement
Reimbursement came quickly after I filed the claim. I've always had a great experience with ASPCA insurance .
4.5
out of 5
Number of reviews 11,792
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: Darinda
Very Satisfied
I purchased ASPCA pet insurance after tragically losing a beloved pet to mushroom poisioning. I know that having the insurance would not have saved Lilly's life but it made me realize that you just never know what can happen in a pets life. In May we had to have ACL surgery on our 2 & 1/2 year old lab which is very expensive and ASPCA covered a huge portion of it! The monthly cost is very reasonable and I am so glad that we have it. I tell all of my friends and family to get it as well.
4
out of 5
POSTED: | BY: Jen
Very good customer service
Good claims experience.
4
out of 5
POSTED: | BY: Charles Tabone
Good Experience using ASPCA Pet Insurance
Good Experience
4
out of 5
POSTED: | BY: Bruce England
Very happy with this pet insurance overall
Having this insurance helps to takes money out of the equation as I make pet care decisions (although no cost is too high, as far as my pets are concerned). I also like the idea that multiple pet owners pool resources through pet insurance, which means that more pets are likely to receive the care they require. ASPCA used a pdf form for claims, which is not set for saving. This makes the claim process unduly clunky; however, they say this is being changed.
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.