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

8.9 Out of 10
60 Days 1 Year Lifetime
Rating 9.7 9.7 8.9
Count 158 978 3813

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 04/21/2018
By:
Ronnie M Yarbrough

A pleasure to work with and genuine caring for my pet. Excellent support for any questions too.

Injury/illness
Spleen removal and after care
Claim Amount
Over $1000
Breed

Australian Shepherd

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/21/2018
By:
Dan Anderson

Great to deal with claims are easy to submit are paid quickly and without much effort. Website is easy to navigate. If you have a question, they are happy to answer it. Thanks Again...

Injury/illness
wellness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/20/2018
By:
Katie

ASPCA has always been super comforting with family things that occur. They call and follow up to see how everyone is. I had a pet pass away and they sent me a card. It was so touching and confirmed why I stay with ASPCA! Thank you for everything!

Injury/illness
hurt pup
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 04/20/2018
By:
Steven H Solomon

We live in Ohio and our rescue beagle from Florida suddenly stopped eating. Our vet referred us to a specialist in Dayton, who referred us to a specialist in Cincinnati. It took several days of intensive care and our dog is fine now. It was expensive,...

Injury/illness

Renal (kidney)

Claim Amount
Over $1000
Breed

Beagle

Age of Pet
Over 8 years
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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

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.