ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,200

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.7
  • Count
  • 10
  • 41
  • 11,200

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: Dawn Haltiwanger

I have been using this insurance with…

I have been using this insurance with my 19 1/2 cat Figaro since around 2010 and have been very pleased with my insurance. On 2/3/24 I had to put him to sleep. This has been a difficult time for me. I filed a claim for just the end of life service, not the added cost of cremation. I am upset for 2 reasons: because I have not met the deductible, I do not get reimbursed. It is very heartbreaking to see that I have 25 dollars to meet his deductible when the claim is for end of life expenses. There needs to be an automatic paid service for euthanasia. Second Figaro's monthly installment came out on 2/1/24. I do not even know if I will get a refund from that. Its a double edge sword they wont pay for his euthanasia and I probably will be charged for the month of February which he is no longer here. I am out a total of 550.00, which I only claimed for the euthanasia part of it. I have my dog insured with them and I am going to start looking at other companies. In my extreme grief I am having to deal with this.

out of 5

POSTED: | BY: Lisa G

I called for a few questions I had

I called for a few questions I had. Everything I needed to know was answered.

out of 5

POSTED: | BY: Pedro Souza


WASTE OF MONEY Put whatever money you would be wasting on this service and put it in a piggy bank for your pets. This is a scam under the brand of a recognized charity

out of 5

POSTED: | BY: John Robinson


So far, everything has been good. Thank you.

out of 5

POSTED: | BY: Kimberly Parker


10/10. Great customer service, easy to submit claims, timely. I couldn’t be more thankful for this in a hard time. Thank you!

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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