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 9.4 9.7 8.9
Count 105 940 3640

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 02/20/2018
By:
Martha Johnson

We have had to make a few claims and it has been hassle free and everyone we have spoken to has been understanding and extremely helpful. Thank you

Injury/illness

Eye problem

Bladder

Claim Amount
$100 - $500
Breed

Pembroke Welsh Corgi

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/19/2018
By:
Gerri

When we first got our dog, I wasn't sure whether to get pet insurance for him or not. ASPCA was recommended to us. Because of them, I don't ever hesitate to bring my dog to the vet. Also, when he was going through some medical issues, I was able to...

Injury/illness

Ear Problem

Claim Amount
$100 - $500
Breed

Beagle

Age of Pet
1 - 8
8
Out of 10
Recommended
Posted: 02/14/2018
By:
Karen

ASPCA insurance was a pleasure to deal with, their app is very easy to use and their reimbursements are sent in a timely manner.

Injury/illness
ACL tear
Claim Amount
Over $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.