ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,110

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.
1

out of 5

POSTED: | BY: John Johnson

New Injury Denied as Pre Existing

Started our policy over 2 years ago for our dog who had knee surgery done on her back L knee while back right knee was fine with no injuries. A week ago she needed knee surgery on the good knee but since she had one on the other 2+ years ago they said that it is bilateral and therefor also not covered even tho she tore that knee 2 months ago well into our policy that we’ve been paying monthly for. They did approve the x-ray when she tore her knee and the meds but the surgery to fix the knee they declined that bill. Customer service just repeated the same scripted info and were of no help to explain how this makes sense. Cancelling the policy because of this. Very scam feeling with this with what they approve and deny. Approve the small but find ways to decline the big bills
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1

out of 5

POSTED: | BY: Kathy Sutton

Horrible experience with my claims

I started with this insurance June 2025. I've submitted two claims, nothing has been covered and I provided ASPCA with copies of all the history of my dog from the last 2 years at their request. I submitted dog history from the vet twice; October and again in November. They indicated on my login tonight I didn't povide the proper documenrtation. It's been 3 months and I've heard nothing. No email, nothing. I do n ot recommend this pet insurance; my last insurance covered within 2 weeks, were great with response. Unfortunately, they are not supporting my state any longer. I was forced to find new pet insurance and after research chose ASPCA. They have terrible response time, no calling, no email within a reasonable time period.
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5

out of 5

POSTED: | BY: Valerie G

Claims paid promptly!

Our claims were reviewed, approved, and paid in under a week.
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5

out of 5

POSTED: | BY: Rhiannon R.

Easy Claim Experience

I've had ASPCA Pet Insurance for multiple pets for over 7 years. Fortunately I only recently had to file a claim after one of my fur babies got seriously ill very suddenly, and ended up passing. Not only did they pay my claim quickly with very little questioning, but they offered condolences and cancelled his coverage without my having to ask. I appreciated the fact that they made the process as easy as possible during such a difficult time.
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5

out of 5

POSTED: | BY: Richard Hagerty Sr.

When you put in a claim

When you put in a claim, you seem to get your money back in a timely fashion
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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 Insurance detail
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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