4
out of 5
POSTED: | BY: Ellen Kolinsky
I am pleased
may want to consider some preventive care
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.
5
out of 5
POSTED: | BY: Debbie Lown
Would Love to have had this for my other dog
Once I submitted my claim the response time was incrediblethat the claim was received. I received my first check
alot sooner then I expected
1
out of 5
POSTED: | BY: Chris Allan
Disappointed
This is the first claim in eight years I have made with the ASPCA plan. It is $1,177 for diagnostic xrays, visit and mediation, and two-and-a-half months after I filed it, it still has not been paid. I received an email after a month saying they needed more info from the vet, then another the next week saying they got it. Nothing since then. Called last week and they said they would expedite payment. Nothing yet. Very frustrating and disappointing experience.
5
out of 5
POSTED: | BY: Glen Mulhall
Wow, what a help in these tough times
I have this coverage on my Rottweiler, Alixis, for about 6 months. The premiums seem reasonable to me for the coverage provided. I was purchasing peace of mind. Recently I had to get surgery on my dogs foot, come to find out later it was cancer. After another surgery to have all the cancer removed I felt very satisfied and also felt that the reimbursement rates were clear and fair. If I could suggest a change to the coverage, it would be in the payback plan. If the pet insurnace could go to a more paperless system by sending back the reimburements to peoples bank accounts or CC that would be great. Overall, I have had a very positive experience with the coverage, and will purchase it again in the future.
4
out of 5
POSTED: | BY: Ace's Mama
We might not always agree, but I was treated well
I have had this coverage for my puppy since I brought her home at 8 weeks old. Overall, I am pleased with this company's service.
Pros: Every contact I have had with customer service has been pleasant, even if the result was not what I wanted. Their employees are friendly and helpful, which is unique, unfortunately. Also, I have received my reimbursement checks in a timely manner.
Cons: This probably is true of most companies, but I generally find that their idea of what procedures should cost, even though it is supposedly based on the average for my region, is incorrect. Out of all the claims I have submitted (and my, we have had many!), only one matched the expected cost (an emergency room visit, of all things).
Overall, I expect an insurance company to be outright sleazy, and I was pleasantly surprised by this company. I will continue to renew my coverage for the inevitable catastrophe.
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.