5
out of 5
POSTED: | BY: Sandrsa Tuori-Bell
very pleased with the primary plan coverage
I was very pleased with the handling of my claims and customer service under the ASPCA Primary Plan.
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: Linda.
Only covered 50%.
My cat had a laceration that became abcessed in May. She was hot and lethargic on a Friday night so I had to seek urgent care which was 3 times the cost of my regular vet. I submited the claims and only 50% was covered because they were based on their charts which are rediculously low and/or outdated. DONT get this insurance. Policy also states it won't cover pre-existing conditions within 90 days. I brought my cat in 6 months later for a 2nd UTI and they called it pre-existing despite the "90" days in black & white. Only interested in the money not your pet. I urge you seek another company!
5
out of 5
POSTED: | BY: Elaine Fairfield
very caring and paid out on claims in a timely man
Our dog Bailey had three operations and ASPCA Ins helped us to be able to provide the best care for our Bailey.
1
out of 5
POSTED: | BY: Charlie Kim
They pay low claims
I have had them for the past few months and my first claim was for 80% of $500 and I only received $20.00! The next two claims were just as weak. What a rip off.
Nothing is covered as what is stated and they have so many excuses of why it's not covered.
4
out of 5
POSTED: | BY: Jean-Paul Rudell
Very satisfied with insurance
I am writing to thank you for your excellent health insurance for my pet. I have been a customer of yours for over 3 years and I have never had difficulty having a claim paid under my value plan. But what is most important to me is the peace of mind of knowing that I would never have to make a medical decision for my valued friend based on whether or not I could afford the treatment or procedure.
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.