ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,279

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.7
  • Count
  • 8
  • 41
  • 11,279

Updated: November 13, 2023

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: Elizabeth Dennis

I found their information on Amazon And…

I found their information on Amazon And thought to call. The representative was courteous and helpful,

out of 5

POSTED: | BY: Sheri Ganfield

The customer service people I talked to…

The customer service people I talked to were super friendly and nice, but still my claim has not been taken care of. I also sent my dogs medical records to your email 3-4 and haven’t gotten one response. And so I reached out to my pets dr office and asked them if they could respond to you because you were waiting on the records to be sent over and my vet office said that you haven’t reached out at all to them for anything.. so I’m a bit confused. And again my claim is still I. Limbo.

out of 5

POSTED: | BY: p abbasi

It was easy

It was easy , thank you!

out of 5

POSTED: | BY: Deborah

still in my waiting period

Shopping for pet insurance was very overwhelming. It is very expensive and doesn't even cover everything. I have not had to use the insurance as I only have had it 2 weeks now.

out of 5

POSTED: | BY: Lori Ewing

Very helpful and friendly

Very helpful and friendly

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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