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.

Average customer rating

9.0 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.6 9.0
Count 118 977 4344

ASPCA Pet Health Insurance

Out of 10
Posted: 10/16/2018
Kathleen Thopsey

I am happy to have the pet insurance. Although I have the mid-range plan, it is very comprehensive, especially when my dog needed leg surgery. It covered a variety of things necessary to be paid: testing, consultation with the surgeon, the surgery,...

"ACL" surgery
Claim Amount
Over $1000

Mixed Breed

Age of Pet
Over 8 years
Out of 10
Posted: 10/15/2018
Matthew Milcetich

Very easy website to use and nice follow up. We had a long drawn out process with difficult surgeries, and at least the insurance part was easy!

Knock kneed hind legs requiring surgical reconstruction
Claim Amount
Over $1000

Bouvier Des Flandres

Age of Pet
Under a year
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.


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. 


$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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.


Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

ASPCA Pet Health Insurance has three 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.

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.