ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,174

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.7
  • Count
  • 6
  • 76
  • 10,174
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: customer

Hope to be a long-term customer

Im glad that i found coverage for my dog, so i don't have to worry about when she goes for her well check ups, or vaccines.

out of 5

POSTED: | BY: Edith Beato

Great so far

So far it was easy to apply. But the one thing I noticed when one summits a clam they don't have the option of medication or wellness check but they do in the form to sent email so it's good enough for me. User friendly

out of 5

POSTED: | BY: Josette Brink

Brady Ins.

We just signed up. We did have a very good experience signing up. Everyone helpful and caring.

out of 5

POSTED: | BY: Teralline Castillo

Was look for pet insurance for my new…

Was look for pet insurance for my new puppy with in my budget and ASPCA was a great fit for us! It has great benefits with reasonable pricing! Love it!

out of 5

POSTED: | BY: Christine Mattioli

ASPCA site easy to navigate and informative!

ASPCA site provided all the policy details, scenarios and Q & A which I was researching. It was easy to navigate the site, obtain a quote and enroll my two puppies for their insurance!

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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