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 9.7 9.0
Count 184 1019 4177

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 08/13/2018
By:
Sylvia Bailey

I appreciated the claims departments full explanation of M & E's coverage and made me feel as though they really take their jobs seriously. Each rep has been courteous and caring.

Injury/illness
dental issues and regular physicals
Claim Amount
$500 - $1000
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 08/13/2018
By:
Ed Lynch

This is the second time I have used my ASPCA insurance for Flounder. The first time he developed Pneumonia and more recently a serious problem with his nostril. In both instances, the insurance claim was easy to submit, processed in a timely manner, and...

Injury/illness
Severe rhinitis
Claim Amount
Over $1000
Breed

Goldendoodle

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 08/13/2018
By:
Barbara L Dicker

Very pleased with the way our claim was handled. Was sent regular emails informing me of the progress of our claim, and when settled our check arrived promptly.

Injury/illness

Gastritis/vomiting

Claim Amount
Over $1000
Breed

Shih Tzu

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 08/13/2018
By:
Vickie Lukas

Have had pet insurance through ASPCA for 8 years or so and have had excellent communications no matter what the topic. All staff is courteous and happy to help.

Injury/illness
Cyst removal from keg
Claim Amount
$500 - $1000
Breed

Mixed Breed

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.