5
out of 5
POSTED: | BY: margery tabb
good insurance to have
My cat Cayenne had her tail amputated due to an infected cyst. The insurance really helped defray the cost.
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.
5
out of 5
POSTED: | BY: Gloria
EXCELLANT!
WOULD NOT BE WITHOUT-EVER AGAIN. OUR FIRST GOLDENWAS EUHANIZED-SAD SAD CASE-ASPCA WAS THERE ALL THE WAY. KIND AND SYMPATHIC.OUR 2ND GOLDEN INGESTED A STRING TOY- DO NOT PURCHASE THE..OUR YEAR AND HALF BABY HAD EMERGENCY SURGERY. 5 DAY ORDEL 2200.00 COMPLETE..ASPCA AGAIN WAS THERE FOR US..GET YOUR FUR BABIES INSURED.
4
out of 5
POSTED: | BY: Lauren
So far so good!
I've had my dog Preston on ASPCA health insurance for almost a year now and have no complaints. There's been a few small incidents (tick and foxtail removal) that have been partially covered, depending on the accompanying prescriptions, but ASPCA was really great to have a few months ago when Preston was hit by a car.
I can not stress enough just how important it is to have SOME kind of insurance -- I was able to focus on Preston getting the best care instead of worrying about the bill the whole time. ASPCA followed up less than a month later with the reimbursement check, cutting our $2,000+ bill down to about $500.
I was at first annoyed by having to pay the $100 deductible, but after seeing that most other insurances have a deductible per incident, the ASPCA plan seems a bit better.
1
out of 5
POSTED: | BY: wwwoolf
not worth it
Until I cancelled, I had repeated problems with declines for pre-existing conditions that did not exist. Ex. a decline for my dog's x-ray for a pre-existing shoulder injury - he did not have a shoulder injury. Another one - decline for vaginal infection as a pre-existing condition when her pre-existing condition was a bladder infection. Vet had to send corroborating info on every single claim, including clarifying the difference between a vagina and a urethra!! Compared to what I paid for 5 animals, they paid virtually nothing.
4
out of 5
POSTED: | BY: Jon
Wouldn't go without it!
My min-pin was bit by something as a puppy and at that time we didn't have insurance. I was out $2400 but it saved his life. At that time, my wife and I decided to purchase pet insurance and ASPCA was recommended by our vet. 2 years later, my same min-pin was bitten by a coyote and almost died. The vets saved his life again, but this time we had pet insurance. The vet bill was $1700, but we only paid $400. Thank you ASPCA, we wouldn't go without pet insurance again.
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.