ASPCA | Pet Insurance Review


out of 5

Number of reviews 5,668

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 4.7
  • 4.7
  • Count
  • 3
  • 49
  • 5,668

Updated: November 13, 2023

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: Jaime Gutierrez

Insurance review

I just recently signed up for the insurance. It was very easy to sign up. Other than that, I have no other comment or concerns.

out of 5

POSTED: | BY: Dana Todd

Getting started

I just started so I don't have much To go on other than I would like to have some information on my insurance in paper form.

out of 5

POSTED: | BY: David Hronek

Best Decision Ever!

It was such an easy process to sign up and a great selection of plans to choose from. I'm paying half of my previous plan that just covered wellness. I get both Wellness and accident coverage.

out of 5

POSTED: | BY: carl

put in a claim 2 weeks ago and still…

put in a claim 2 weeks ago and still sitting in the que. slow reimbursement.

out of 5

POSTED: | BY: Rebecca Fox

The initial submitting of a claim was…

The initial submitting of a claim was fairly easy, but the process itself is taking longer than expected.

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

Leave a review