5
out of 5
POSTED: | BY: Debbie Westerlund
Easy sign up
Easy sign up. Explained things well
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,719
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
1
out of 5
POSTED: | BY: Elaine Malinowski
This company was recommended to me as a…
This company was recommended to me as a great pet insurance for cats with preexisting conditions. Not only did they never give me my account number so that I could make a member portal, their customer service never replied to me when I asked them for it, when I saw that they do not accept coverage for peeexisting conditions, or when I asked for refund.
5
out of 5
POSTED: | BY: Mary Marquardt
I liked the options for additional…
I liked the options for additional wellness and care that was available. The website was easy to navigate and the option to add the app was clear. Seems like sending in a claim will be easy as well.
3
out of 5
VETERINARIAN: St. FRANCIS
POSTED: | BY: Joshua Perkins
Easy claim process. Dead Slow reimbursement!
Easy to submit claims! However…….. I hope you’re not expecting a quick reimbursement process! I’d consider 7-10 business days to be a normal wait time. I’ve filed 4 claims in the last 5 months. First one took a combined total of 2 months. Second took 3 weeks. Third and fourth took 4 weeks!
Again….. Easy claim process. I’m not strapped for cash by any means either. Just extremely frustrating to know you pay for insurance and it takes that long to get a benefit you’ve paid for. And don’t expect any decent information through email. Best to call in and try to speak with someone.
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.