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: Amy Metzker

Thank for being there for my sweet Nicky.

All your phone people were always kind & knowledgeable. You helped with the care of our Nicky for many years. You also paid promptly & fairly. I would highly recommend you .

out of 10

POSTED: | BY: Joanne Dean

Always there to help with any question I have. Torra was a big help today-

I have had this insurance since 2006 when I had 1 pup- Now I have three pups and I am confident they are well taken care of with ASPCA. I never had a problem with a claim and always got reimbersed in a short time.

out of 10

POSTED: | BY: Rhonda Thompson

Excellent Customer Service

I’m so happy I chose ASPCA! I’ve had nothing but positive experiences so far and any time I’ve called with a question I have received friendly, patient and knowledgeable customer service.

out of 10

POSTED: | BY: Robert Gonzales

Representative was professional, courteous, and knowledgeable.

I give her a 5 star for being professional, courteous, and knowledgeable. The Representative asked me if she had answered all my questions.

out of 10

POSTED: | BY: Tyler


We wanted to use ASPCA health insurance because we are gold members since we donate every month and thought why not use them to insure our pet but ever since we started it’s been like we don’t even have insurance. We get reimbursed little to nothing back because they claim nothing is covered under our policy and it’s almost impossible to get someone on the phone even pre-COVID to dispute these claims once they are processed which takes over a month to begin with. If you have to take your pet to the vet frequently or have pre-existing conditions (and even if you don’t they’ll claim you do) I would find another 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.

Get a quote today

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