5
out of 5
POSTED: | BY: Jenifer Youd
Easy to submit claims
Easy to submit claims, the check came pretty quick.
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,716
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: Preston Way
Easy to chat with representatives and…
Easy to chat with representatives and start coverage
1
out of 5
POSTED: | BY: Henry Mack
They didn't cover anything
They didn't cover anything, even with deductible. There was no communication on claim denial or reason.
ASPCA is crap. Paid into it for months, took my dog in for a wellness exam, shots, and he developed an ear infection just prior to the scheduled visit. The visit cost $562, and when I submitted the claim I received $0.00! They didn't even have the courtesy to email that the claim was processed and denied. No explanation just denied. Dropping them like a "hot potato"!
5
out of 5
POSTED: | BY: Cindy Cannon
tobymac
ASPCA insurance took a terrible situation of loosing our wonderful young dog to a positive situation. They reimbursed us within a week of our claim. The compassion and caring for us unfortunate pet owners that have lost a pet to a disease was clear. They care and are sympathetic to our emotions. We will use them again once we rescue another dog in the future
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5
out of 5
POSTED: | BY: Kathy Bressi
Such An Easy Process!!
Such an easy process! My puppy first injured a leg, and while I had intentions of getting him insured, I had procrastinated. That was a pricey bill so after that experience, I went on the hunt for good insurance that allowed me to customize the coverage to fit my wants/needs to my budget. ASPCA allowed for that.
Fast forward a few months and he had a loose tooth that wouldn't fall out. When I brought him to the vet, they found several more teeth that had not fallen out AND a hernia that needed to be repaired! I decided to have him neutered at the same time, so needless to say the bill was large.
Filing the claim with ASPCA was so easy, just a few questions and uploading my invoice. Once my vet uploaded his medical records the claim was approved in ONE DAY! And the best part? The money was in my account the following day.
I can't recommend them enough. They made a not-so-good situation so much easier.
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.