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 9.7 9.6 9.0
Count 122 773 4586

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 04/18/2019
By:
Dorothy Mumford

I’m so happy I have this insurance. My girl “kit” is a rambunctious mixed terrier. I haven’t had a dog for over 30 years but know that anything can happen. I’m grateful my girl is fully covered. ASPCA has been wonderful with quick service and easy claim...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/17/2019
By:
Marlene Steele

ASPCA IS the best, I have tried 2 other popular insurances and they never paid. They always had an excuse not to. NOT ASPCA, THEY HAVE PAID EVERY CLAIM I have submitted, the claim process is very easy, it is done fairly quickly. The people on the phones...

Injury/illness
Claim Amount
Breed

Pit Bull

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/16/2019
By:
Ryan

We're multi-year customers for our two dogs. The web interface is very easy to use and claims are processed quickly. It's great to know our dogs will never be denied the care they need due to expense. That peace of mind alone is worth participation.

Injury/illness
Claim Amount
Breed

German Shepherd

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.

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.