5
out of 5
POSTED: | BY: Catherine Pinsonneault
Website is easy to use.
Website is easy to use.
Reimbursement is prompt.
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,714
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: Gina Medori
Too expensive - not worth it
The payment towards the claim does not outweigh the premium. Not worth it
5
out of 5
POSTED: | BY: Rory Braun
No Problems
We’ve made a number of claims ranging from getting tests for hip dysplasia to an allergic from eating a bee to an eye infection and have had zero push back or issues. They’ve processed our claims quickly, too, which was a big surprise.
1
out of 5
POSTED: | BY: Reece Kingcade
What is the benefit of having a policy?
$130 dollars a month, finally submit a claim, and denied with no explanation? My dog needs injections. Now paying $130 for insurance and $100 for each injection. What is the point of having this at all? What is actually covered? Extremely unclear. Certainly will not remain a member and would never recommend to anyone else. Extremely dissatisfied and disappointed.
2
out of 5
POSTED: | BY: David Barton
Generally I don't have a problem with…
Generally I don't have a problem with the insurance, the damn chatbot is so freakingly unbelievably annoying that they are lucky I couldn't rate it at 0 stars. The only reason I gave it two stars is that when in the past I could get ahold of a person they were very good to work with.
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.