ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,596

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 3
  • 58
  • 10,596
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: Rudy Aguilar

cancel account

Trying to cancel my account can't get nobody on the phone website has no information sent an email and got no response

out of 5

POSTED: | BY: Vilia Sauerberg

I haven't really utilized the services…

I haven't really utilized the services yet. I just used the on-line web site and tools to answer my questions about subscribing.

out of 5

POSTED: | BY: Anthony Micieli


Do not use this company ! They falsely diagnose to get out of paying and love to to say preexisting condition. Go with a reputable company that does what they say. I payed for years and was scammed with the saying preexisting condition . .Stay away !!! If you know whats good for you pets care .

out of 5

POSTED: | BY: Kazuko Morimoto

ASPCA Insurance is inexpensive

ASPCA Insurance is inexpensive and reasonable with many options.

out of 5

POSTED: | BY: Jason Kwiecien

I keep getting emails …

I keep getting emails to add information that was put in at enrollment.

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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