ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,447

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: C Blevins

Great service

Not many pet insurance companies wanted to insure my senior kitty. ASPCA Pet Health Insurance not only offered to insure him, but at a cost I could afford. My first claim was handled swiftly and expertly. I highly recommend ASPCA Pet Health Insurance.

out of 5

POSTED: | BY: Dawn Schurr

Great customer service

Great customer service

out of 5

POSTED: | BY: Leslie Barr-Luca

Spay your cats

I’m going to be using the insurance for the first time mid-July. Both my cats will be spayed at that time. I give you a high rating because I have high hopes.

out of 5

POSTED: | BY: Maki Fujieda

I submitted my first claim here

I submitted my first claim here, taking more than a month and still waiting and complaining to them while they placed twice of monthly membership fee of $160. I'm going to cancel service today.

out of 5

POSTED: | BY: Halyna Chaprin

I been loyal customer since 2019

I been loyal customer since 2019. Have 3 cats. Been using this insurance once in awhile, my cats are mostly healthy. Wasn’t happy with a way a last claim been processed… was denied. So I will be cancelling my account, no point to spend money on insurance and cover vet bills on my own.

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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