ASPCA | Pet Insurance Review


out of 10

5585 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.1
  • 9.1
  • Count
  • 11
  • 35
  • 5585
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 10

POSTED: | BY: Janelle

Peace of Mind

I have had this insurance for 9 years. I haven't had to use it much but when I do it is easy and customer service is great.

out of 10

POSTED: | BY: Dave Clinton


Excellent service. Less than a month from time I submitted claim to receiving check, with explanation of each charge.

out of 10

POSTED: | BY: jackie richardson

Thanks for ASPCA Insurance

After taking my 7 year old Doxie to the Vet for a pretty serious condition, I wondered how I was going to pay for it. What a surprise it was to see they paid for almost all of it.

out of 10

POSTED: | BY: Jodi

Great Customer Service

ASPA health insurance has been wonderful in their customer service, timeliness in claim reimbursement, and always genuinely concerned about all my pets.

out of 10

POSTED: | BY: Dena

Fast turn around time on claims

I have had to turn in several claims and every time I have been very impressed in how quick I received my reimbursement. Very reasonable monthly payment and deductible. I will continue to use the ASPCA for other animals I have in the future

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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