4
out of 5
POSTED: | BY: elyse allbee
Oscar and Felix
Oscar was sick and the insurance was very helpful
4.5
out of 5
Number of reviews 11,696
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: Aaron Simon
Claims for Skin Irritation
I submitted a claim for skin irritation that had persisted with both oft cats. Dealing with ASPCA was fast and easy.
5
out of 5
POSTED: | BY: Michelle Macomber
Best Investment Ever!
I am so grateful I purchased this plan, they have been supremely helpful, and I feel they are the absolute best value out there!
4
out of 5
POSTED: | BY: Denise
Relief!
I decided to purchase pet insurance on my Italian Greyhound, Rocky, after he broke his right front paw at the age of 6 months. Over a year later, Rocky decided to jump out of my SUV from the seat instead of jumping off the seat, then out of the car. He proceeded to break his left paw. Thankfully ASPCA pet insurance had been purchased for him! They paid 80% of Rocky's surgery and care to repair his broken leg. Thank you ASPCA!
2
out of 5
POSTED: | BY: Rachel Amiro
Beware of pre-existing conditions after renewal
I hope this company will prove me wrong, but every single thing that they take care of, even eye infections, are excluded in subsequent years policies. Each policy is only good for a year. It is not like human insurance where PRE-EXISTING is defined as PRIOR to any insurance with the company. This company, and most, consider pre-existing as the year prior, so any care you get will never be paid for again unless it is preventive. This includes eye infections, indigestion--in other words things that are not chronic in nature but are one time things--they exclude EVERYTHING on future policies. PLEASE comment on this. Thank you.
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.