5
out of 5
POSTED: | BY: Ana Rueckert
No hassle insurance
I am pleased to have this type of insurance for my pet. The monthly payment is very affordable.
4.7
out of 5
Number of reviews 11,653
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.
1
out of 5
POSTED: | BY: Lucy
unfair claim denial
I got ASPCA for my english bulldog right away when i got him, he was only about 10 weeks old. Well, while waiting for the insurance to kick in which is usually 30 days, he ended up having pneumonia, so he was coughing and vomiting, so I took hime to the vet, he ended up in the emergency hospital for a whole weekend which cost me an arm and a leg but I dealt with it since the insurance waiting period didn't kick in yet. So about a couple months after, he started vomiting again and after having an xray done, nothing showed, he needed to be hospitalized several times due to dehydration but I didn't really worry since i already had insurance. Well, after going back and forth to the vet, I decided to take him to a different vet where they did an ultrasound and found ulcers in his esophocus and stomach. very expensive procedure but again I thought I don't have to worry, ASPCA will cover 80% of all that mess. Well I was wrong. After he was cured, I was well over $5000 dollars from all the tests, hospitalization and all. I sent in all the claims and they denied it saying since he vomited before the insurance kicked in, they are calling it pre-existing. I got a letter from each vet stating that he was vomiting before due to pheumonia, this now is ulcers and it should be covered. But they denied everything. And whats worse is that I got the best plan that I pay over $60 a month. They said I can write a letter stating why ASPCA should pay but honestly, I highly doubt that will help. Any
5
out of 5
POSTED: | BY: Pat L
If you have a pet, buy health insurance
I have small dog and I bought the insurance as a safety measure. I have used it and think it is great. It certainly helps with Vet bills. My dog doesn't have any major medical problems but having reimbursement for heartworm and flea medication is great. I would recommend pet insurance for everyone who has a pet.
4
out of 5
POSTED: | BY: Chuck
A MUST for a health pet
We have used ASPCA Pet Insurance for 3 years, and find it would have been very difficult to afford good Vet care for our Golden without it. We are retired and on a fixed income, but believe that the pet insurance is as important as our own health insurance. We get what we pay for...ASPCA is careful when approving payment under our plan; but we have always been satisfied.
5
out of 5
POSTED: | BY: Mindy
Pet Insurance is a Great Idea
I have had great service with ASPCA Pet Insurance. There is always someone to talk with. They are friendly and clear. The program I have selected suits us well. I had two claims last year and the process was easy to follow on line and the payments came in a timely manner. They even notified me via email. So far so good!
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.