5
out of 5
POSTED: | BY: Tim
Hassle Free
Timely, efficient processing of claim. Form is easy to complete and hassle free.
4.5
out of 5
Number of reviews 11,699
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: Elizabeth
Great Service
I have had this insurance for my dog for the last 2 years and have been extremely satisfied with the service. I would recommend this insurance to anyone looking for a policy.
5
out of 5
POSTED: | BY: Don
Worth It!
I got pet insurance days after I got my lab. Smart idea! Although I have been lucky and have not had any major emergencies, having the insurance did give me the support when an issue did come up. The peace of mind that pet insurance brings, for me, is worth it. Cheap enough to be possible on any budget, makes a HUGE difference when something does come up. I had an emergency vet visit that cost a few hundred dollars, getting 80% back made my decision of taking her in easy.
1
out of 5
POSTED: | BY: Roberta Smith
Do not waste money on ASPCA insurance
took one and a half months to find out that the coverage is not what they advertised and what I believed I am paying for, nothing was covered in the claim. (I have level 3 and $100 deductible, so only expected a small amount back anyway) Have now read other reviews on another site (easy to find, Google aspca pet insurance) and find that many people have the same or worse problems with non-coverage of their claim. I am cancelling with this company as I don't want to have them tell me my vet is too expensive, when they are actually reasonable for my area. I would rather put the over $500 a year into an account and pay it myself.
1
out of 5
POSTED: | BY: Lisa French
Total Scam Don't Get this Insurance
My dogs have been covered by ASPCA for years and the first time I filed a claim last fall it was denied because the date of the injury was 3 weeks before my policy renewed and by the time the Vet recommended the MRI and surgery, we had moved into this year's policy. Since the injury began just before my policy renewed, it was completely denied and I'm $1,000's of dollars in the hole. We would never have made the decision to have the MRI if we didn't think we were covered by insurance. When I called ASPCA before the MRI, they told me they couldn't guarantee coverage, that we just had to have it done then submit it. They didn't warn me that if the injury happened prior to the annual payment date, it wouldn't be covered. Don't use this company!!! They took my money for years and then didn't come through.
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.