5
out of 5
POSTED: | BY: eric bauman
satisfaction
time between submition of claim and recieving a check in the mail, about two weeks
4.7
out of 5
Number of reviews 11,660
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: Joy Evans
Acceptable
It took a very long time for reimbursement, but amount was acceptable.
4
out of 5
POSTED: | BY: Ryan McCarthy
Overall, a happy customer
Overall am very happy but wish process time for claims was much quicker. It leaves a bitter taste that insurance companies take their time to process under the guise of "providing the best coverage" when it seems that reasons are being sought to not cover certain instances.
4
out of 5
POSTED: | BY: Danny Manchester
Sydney says Thx
Never figured I would have health problems with my champion bread Russian Blue, but decided to after a friend had several larger vet bills with their dog. So gald I did, at 5 years old Syd got sick and the vet bills grew really quick.
4
out of 5
POSTED: | BY: JoAnn Merolla-Martin
peace of mind
not expensive and prompt claim response. I have 5 cats, so the cost is worth it to me. After surgery for removal of a tumor, received 80% of the cost in 2 weeks.
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.