ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,250

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: Dee

Disregard what the policy states.

Paxton has accident insurance through ASPCA and was running on November 29th 2025 when I witnessed him in an accident. I took him to vet and confirmed a partial ccl tear. I got an estimate for surgery advised from ASPCA for a quicker payment. They denied his claim. The reason was: They claimed it was considered a disease other than injury. ASPCA since his claim has changed policy to read as all ccl issues are under a disease. But what they are not understanding is his policy during injury was covered in 2025 the policy hadn't changed til 2026. Now the appeal was denied. There's nobody to talk to just keep fighting, meanwhile he still has an injury. They keep referring to his issue as a disease when his policy at that time falls under an accident. So tell me this is fair? Id love someone to talk to about this situation that has some knowledge.
5

out of 5

POSTED: | BY: Carol Rego

Good deal to cover 5 cats.

Good deal to cover 5 cats.
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1

out of 5

POSTED: | BY: Jonathan Hart

Pre-Existing Condition

My dog got a UTI and ear infection and this was labeled as a pre-existing condition. How is a UTI and ear infection a pre-existing condition? Make it make sense.
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5

out of 5

POSTED: | BY: john ayers

Ease of doing a claim

Ease of doing a claim! Simple. Everything is very quick.
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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.

Provider website

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.

Provider website

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