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


Taking care of Ethel

Ethel is a rescue dog and came with some health issues and very nervous. To being her back to her true dog self has taken a few trips to the vet and she is now a different dog. Great for Ethel ... yes but the insurance has been a major help for her new owners so it really is win win for everyone ASPCA are helpful, kind and a very friendly group, Recommend them to anyone.

out of 10

POSTED: | BY: Linda Dippold

Aging Pet/Furry Daughter

I have been a member of this pet health insurance for several years. They have always been responsive to my calls and questions. The reimbursement aspect has allowed me to more freely give my furry daughter the proper health care she needs as she ages. With limited income due to retirement, knowing some of her health expenses will be covered gives me comfort.

out of 10

POSTED: | BY: Genevieve

Important Members of Mr T's Team

Mr T is our Cavalier King Charles, and a member of our family. We also had Feather, our Golden Retriever. We began with ASPCA insurance later in Feather's life, but earlier in Mr T's. When Feather abruptly died a couple of summer's ago, ASPCA insurance reached out to let us know they felt for our loss. And, then, Mr T was diagnosed with congestive heart failure. This is a chronic illness that requires layers of periodic procedures and medication to insure Mr T is living as high a quality of life as possible in the moment. It gets expensive, and ASPCA insurance has made that expense less through the many claims it has fulfilled for us. Knowing that we can provide him with good therapies, and watching him continue to do things like walk through the park, and even run after the occasional squirrel makes us feel good. I appreciate the caring people whom I speak with and their willingness to help me figure out the best strategies for making the right decisions about Mr T.

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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