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 9.2 9.6 9.0
Count 71 779 4496

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 03/12/2019
By:
Alessandra

After my experience with having this pet insurance I insured my other pups. This was recommended to me and I have recommended to others. This is the best, easiest to use and the best financial decisions I have ever made.

Injury/illness
Claim Amount
Breed

Belgian Malinois

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/12/2019
By:
OLIVER BISHOP

I have always had my claims handled in a timely manner. They have always paid me the benefits due me according to the plan. Quite satisfied.

Injury/illness
Claim Amount
Breed

Entlebuch Mountain Dog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/09/2019
By:
Maria Tartaglia

This pet insurance has been so helpful to our family! We recommend ASPCA pet insurance to everyone we know who owns a pet!

Injury/illness
Claim Amount
Breed

Goldendoodle

Age of Pet
1 - 8
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 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.