ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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: Patricia Ann Jackson

Think twice before getting a policy with this company

My issue started with my first claim. I've called in numerous times asking why I never received a refund. All of the necessary documents were uploaded. For some reason they keep asking for documents they already have. The rep's in the call center have confirmed numerous times all of required paperwork was received. Four months later and I still haven't received a refund. They asked me for medical records dating back to January 2025. My puppy was born in April of 2025. I will not renew my policy next year. Too bad I didn't read the reviews before taking out a policy with this company.
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1

out of 5

POSTED: | BY: veronica avalos

dont buy into this pln

i can not find my plan in my account. you denied a claim indicating the care was not in the plan. however, when i purchased that care was listed. Now i cannot find the plan to review the coverage
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5

out of 5

POSTED: | BY: Debbie Fowler

So easy and quick

It is so easy to file a claim with ASPCA insurance. I can do it all online in minutes. I have used this insurance for 2 years and have no complaints. The payments are quickly deposited into my account within just a few days and I have never had an issue with a claim being paid
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5

out of 5

POSTED: | BY: Lisa Hill

Easy to sign up.

The woman I spoke with made the process easy and enjoyable to sign up my three cats. She took the time to fully explain the coverage provided for my babies and how to utilize the resources for maximum benefits.
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5

out of 5

POSTED: | BY: Mitchell Hewitt

Very friendly and knowledgeable people…

Very friendly and knowledgeable people that work there. You can just tell they love pets and it shows. Would recommend them to everyone!
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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.
ASPCA Pet Insurance detail
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.
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