ASPCA | Pet Insurance Review


out of 10

5585 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.1
  • 9.1
  • Count
  • 11
  • 35
  • 5585
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 10

POSTED: | BY: Raylene Myers

Easy, convenient, honest

ASPCA Pet Insurance had been nothing but incredible for Picasso. I've left his annual deductible at 250, annual coverage at 7-10k each year since he was 3 and have reached it twice. Their claims process has been so easy. I'm able to upload my invoices by pictures to their online portal and the longest part is waiting for my vet to send records. Claims during COVID took longer because like everywhere else they had short staffing but they were transparent with estimates on claim completion. ASPCA has covered his TPLO, arthritis, IBD, prescription food, longterm medications, CT, and now chemotherapy. My only mistake was decreasing his coverage thinking I could make it a year at a lower rate but naturally that's when cancer hit. Their customer service has been incredible, employees have been realistic and pleasant, and reimbursement has been quick ( 1 week to 1month during covid). Their premiums aren't the cheapest I've seen but their coverage was the most comprehensive when I signed up. Rates do continue to go up, but so does everything in life. I've thankfully never used it for my cat but I have no doubt they would be just as amazing with her as they have been with Picasso. I recommend them every chance I get!

out of 10

POSTED: | BY: Mary Cooper

Piece pf ,mind

My fur baby was recently diagnosed with feline lukemia. I admit I was terrified as to what this was going to cost me. Once I reached my $250 deductable then I started getting my reimbursements. Turn around is quick, like 5 days quick and I can have it deposited right into my bank account. Filing the claim is so darn easy. In my opinion I was very grateful that I have, especially since I have 3 cats. I've had my policy about 5 years now.

out of 10

POSTED: | BY: Kerry Mikoleit

Compassionate provider

We lost our sweet Riley at 14 years and 9 months on 2/25/22. We learned of his passing while away for a weekend. He slept peacefully and was found that way by my father in law during an afternoon siesta. ASPCA called to offer condolences and checked in to see how our family and other furbaby were doing within a few days. We have used this insurance for much of Riley's life and have always been satisfied, but this gesture, during a very difficult time, solidified why we will never go with another pet insurance. We have another dog and just enrolled our newest furbaby with insurance. Thank you ASPCA!

out of 10

POSTED: | BY: AJ Robins

Great experiences

I have been with this insurance for many years and have had first rate experiences

out of 10

POSTED: | BY: Lynn Penelope

Worth the money!

I recommend ASPCA pet insurance to everyone. Would not recommend having a dog or cat without it.

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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