ASPCA | Pet Insurance Review


out of 5

Number of reviews 5616

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.8
  • 4.7
  • Count
  • 10
  • 62
  • 5616
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.

out of 5

POSTED: | BY: Ashley Skura

Great Service

ASPCA insurance is well worth the price! Claims are easy to make and turn around payments are prompt! Highly recommend to anyone!

out of 5

POSTED: | BY: James Thebarge

Pet insurance review

ASPCA provides it's customers with quick and easy service. The claims submission process is simple and consumer friendly with a web platform that allows easy access to upload invoices and needed documents. The turnaround time for the whole claim process is quick -

out of 5

POSTED: | BY: Kim Simpson

Excellent and efficient!

Our hound has had a few issues lately. Claims have been processed quickly with direct deposit. We have saved over $1000 at this point! We are lifers!

out of 5

POSTED: | BY: Monica Tevez


I've had this insurance for Denali since she was a puppy. It has been used multiple times and there has never been a problem. The claim process is super easy and the turn around time is outstanding. I am beyond satisfied with ASPCA insurance and highly recommend it.

out of 5

POSTED: | BY: Debbie Fisbeck


I have had this insurance on our dog since we got her as a puppy. I have been totally satisfied with the coverage and customer care I have received.

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 preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.


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.

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