5
out of 5
POSTED: | BY: Dawn Schurr
Great customer service
Great customer service
Read more on Trustpilot
4.5
out of 5
Number of reviews 11,717
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: Leslie Barr-Luca
Spay your cats
I’m going to be using the insurance for the first time mid-July. Both my cats will be spayed at that time.
I give you a high rating because I have high hopes.
1
out of 5
POSTED: | BY: Maki Fujieda
I submitted my first claim here
I submitted my first claim here, taking more than a month and still waiting and complaining to them while they placed twice of monthly membership fee of $160. I'm going to cancel service today.
1
out of 5
POSTED: | BY: Michael S
Awful company yet again claim is…
Awful company yet again claim is denied. Had a policy for almost one year and yet again my claim is denied this time with the reasoning There is a 14 day Waiting Period for coverage of Illnesses and ligament and knee conditions when starting a new plan. Conditions which manifest during this time are not eligible for coverage..
Update: My coverage started almost 1 year ago :-) so how can there be a 14 day waiting perior
5
out of 5
VETERINARIAN: Pilchuck Veterinary Hospital
POSTED: | BY: Pedro Rodriguez
Exceptional Support and Care for My Cane Corso, Luca
I am extremely grateful for the support provided by ASPCA insurance for my 4-year-old male Cane Corso, Luca. Recently, Luca experienced bloody urine, which was a worrying and stressful situation for me. After consulting with Pilchuck Veterinary Hospital, I was able to focus on making the right decisions for Luca's care without the added burden of financial concerns.
The worst feeling in the world is knowing your dog is suffering and feeling helpless because of financial constraints. Thanks to ASPCA, I didn't have to choose alternative care plans due to cost. Instead, I was able to provide Luca with the best possible care he needed.
The customer service was outstanding, and the claims process was smooth and hassle-free. With the direct deposit reimbursements, the claim process has much improved, with payments being received in just a few days. This support allowed me to prioritize Luca's health and well-being during a challenging time. Thank you, ASPCA, for being there when we needed it the most.
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.