ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,174

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.7
  • Count
  • 6
  • 76
  • 10,174
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


Do not buy insurance from this company

Do not buy insurance from this company. Our dog pulled a muscle in her left leg and after taking a pain/anti-inflammatory medication was fine. A couple of months later she injured her right knee (equivalent of a torn ACL) that required surgery and they denied the claim, saying it was a preexisting condition - even though she had never had an issue with that leg.

out of 5

POSTED: | BY: Matthew Comito

Amazing coverage

Amazing coverage. Easy claim submission and quick reimbursement! Highly recommend

out of 5

POSTED: | BY: Sidney Andrado

Best Bang for Buck

I have found compared to other companies that the rates are cheaper the coverage is better the payout is faster and that they work with gofetch as another option to pay.

out of 5

POSTED: | BY: Don Smith

I'm a new customer.

I'm a new customer. I've only been signed up for a week. I have an experience anything with the insurance yet.

out of 5

POSTED: | BY: Carin Miller

Disappointed, I don't recommend this company

I am very disappointed in the company's policy to not accept an invoice from my veterinarian. They denied the claim after they were told 3 times that the invoice provided is the only invoice available. I will be canceling this policy immediately and I highly recommend not doing business with this company. Update-after filing this complaint on Trustpilot, the company NOW wants to talk. I requested calls to my veterinarian and myself but there was no reply/response. If they had called, they would have known that this invoice would have cost them nothing. The small amounts covered on the invoice would have been applied to our deductibles.

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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