ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,955

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.
4

out of 5

POSTED: | BY: Jennifer Marcin

When I put a claim in

When I put a claim in, I get results within days. Whenever I call, I never have to wait long and they always are very helpful. I would say one downfall for my plan is they don't pay a lot for yearly appointments.
5

out of 5

POSTED: | BY: customer

Compassion When I Needed It Most

I’ve had my dog insured with ASPCA Pet Insurance for years, and I’m incredibly grateful I did. Recently, I had to say goodbye to him, and during such a painful time, ASPCA was not only efficient but deeply compassionate. My claims were reimbursed quickly, and every phone rep I spoke with treated me with kindness. After his passing, I received a personal call and a handwritten note offering condolences—it meant more than I can say. That level of thoughtfulness made a hard time just a little easier. Thank you.
5

out of 5

VETERINARIAN: Surf Paws Animal Hospital

POSTED: | BY: a tsuji

Surf Paws Animal Hospital Killed my pet dog

Started taking my pet dog here since 2020 then in 2022 found out from another veterinarian Dr. Cristina Miliaresis collasped my pet dogs trachea. It was a Sock. Then kept taking my pet dog here because Dr. M admitted it to me. I wish I had changed vets. So much regrets because here we are in March/2025 and now my pet dog went in for an appointment for a (kennel cough) cough/gag and Dr. Cristina Miliaresis to give me a medicine of Doxycycline that Killed my dog by restricting my pet dog of oxygen in her body/blood. My pet dog died in 3 days after taking this doxycycline which was in a gelatin capsule with powder inside. In the past the medicine that was given for cough; was amoxicillin. I have so much regret I am still in disbelieve it happened.
5

out of 5

POSTED: | BY: Mary Ann BURNS

Great Response

I placed my first claim with ASPCA Pet Insurance and received great service and a quick response.
4

out of 5

POSTED: | BY: Alicia San Miguel

She understood exactly what I was…

She understood exactly what I was talking about. The first rep didn't.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

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.

Deductible

$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.

Exclusions

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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