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.
My wife and I have been rescuing English bulldogs for over 5 years. Most of the bullies who've come to live with us have been older dogs. Bulldogs have a lot of health problems in general, and older, not well-cared for dogs have even more. Over a year ago, we enrolled our four current bullies with ASPCA pet insurance. Since then, we've lost two of our girls, but have gained one more, who's also enrolled. The insurance has more than paid for itself in that time, and saved us hundreds of dollars in vet bills.
3
out of 5
POSTED:
| BY: Jason Keigher
They are getting better each year.....
This is great insurance for my young dog but their 'usual and customary covered charges' are way off the rates paid in Manhattan. They underpay on claims and when I called them to ask them to send me to the vet that charges those very low 'usual and customary covered charges' in Manhattan they couldn't find one...
But if my dog does get really sick I know I will get reimbursed for something and that always helps!
4
out of 5
POSTED:
| BY: Chris
Skin Ailments
Having the insurance keeps my wife and I from thinking twice about taking our dog to see the vet. If he's not feeling well, we take him to the vet. The only negative we've found is reasonable cost reimbursement rate does not appear to adjust for location, so we always take a bit of a hit on that (we live in NYC). Still, the insurance makes pet health care manageable
4
out of 5
POSTED:
| BY: Cindy Morelli
It's Like Car Insurance
Yes, Pet Insurance is like Car Insurance. Hopefully you will never need it, but if you do, you'll be glad you have it. In March of 2010, I decided to get insurance for my seven year old beagle, Tulip May. Luckily, other than allergies, Tutu is a healthy dog. Eleven months elapsed and I hadn't needed to submit any claim. But while waiting in the lobby at the dog groomer's, Tulip snagged her nail on my coat and ripped it significantly. So much so that blood dripped all over the place. Thankfully, the groomer was able to stop the bleeding. But she also could not groom Tulip that day and suggested I immediately go the vet's office to have her treated. Needless to say, I was a mess. Tutu needed to be anesthesized, have her nail clipped all the way down, and placed on an antibiotic to avoid infection. Here I was, at the end of the my inital year of insurance, having to place my first claim. Needing some guidance, I contacted customer service, faxed in my claim, and had received an 80% refund check in less than two weeks! Fast and easy. As an aside, I also like that part of my policy remittance goes towards animals in need. My two suggestions to ASPCA Pet Insurance would be that they institute a policy more dedicated for pets in their middle years. Generally, after the age of five, dogs are considered "seniors," and most insurers only offer limited wellness and/or illness policies, if at all. They basically just cover accidents. I would further suggest something wherein
5
out of 5
POSTED:
| BY: Tim Campbell
Thank you Petshealth
This is really a great company. They processed my claims quickly and were very involved in the care process.
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.
