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

POSTED: | BY: Charmaine

Well Worth The Money

I have had Hartville/PetsHealth insurace for about 3-4 years. I adopted Max, my minature poodle, from the animal shelter when he was 8 y.o. Max became ill the first week I adopted him and then again shortly thereafter, and I knew with a senior dog there would be additional medical problems but but since I fell in love with Max the moment I held him, I knew I would need and want to ensure he got the best medical care possible and I would need health insurance for him. I researched the other companies and felt Hartville would be our best option. Max has become sick several times and having health insurance has been a great help. Even with the quarterly premium, this insurance basically pays for itself when ofn the reimbursed for vet treatments. Max recently had surgery for the removal of a lump on his groin at the tune of $700. The insurance coverage was great and helped out so much with covering the cost surgery. I didn't have to worry about Max's surgery and how I was going to pay his vet bill. I would recommend health insurance for any pet parent regardless of the age of your dog.

out of 5

POSTED: | BY: Wendy

Rudy's ulcer free Mom

I would really like to thank ASPCA for peace of mind. Just knowing that the insurance is there allows me to relax when I take Rudy to the vet. I no longer get ulcers & worry about a vet bill. I am also very thankfull it was there the day my poor kitten had an allergic reaction to his vaccines and had to go to the emergency vet at 11:00 At night. I knew the bill was going to be horrific but I also knew that a lot of it was going to be reinburssed. So thanks. Sincerely, Wendy Thomas A very satisfied customer.

out of 5

POSTED: | BY: Altagracia Prince

Very good one,& affordable, from ups and down

My last 2 claims in June 2010 at petshealth had deliver their 80% return. I was thinking of changing but I notice they had a high return rate to the other insurances so I stay with them. I am so happy I did since my latest two claims in June I received a high return from them. So the comparison of insurances that I made where correct about Petshealth. They didn't fail me since when I stated with them they where excellent. So I stick by them since I know the economy wasn't doing well through the recession period. My eight year old cat Tabby had an anal clog which just has started this year. I had a great return from this. Also, she had surgery on her tail which the tenant upstair has cause. I was also very happy with that return. For, I have my health to take care of also now. I was saving this money by the way to cover a health insurance for a surgery. So it was a great help to have they returns I did. By the way, their plans are affordable and have different level of coverage.

out of 5

POSTED: | BY: Cindy

Important tool for pet care

I wish that I had gotten pet health insurance when my dogs were puppies. I also wish that I had gotten the continuing care coverage for my dog before he got to old. My dog loves to eat chocolate, so it has been important to have the insurance for the couple of occasions when he found chocolate and ate it. Having the insurance meant that I didn't hesitate to take him to the vet when that happened and that saved his life at least once. The fact is that I would rather have health coverage for my dogs and the peace of mind knowing that I can provide them with needed health care if the situation arises.

out of 5

POSTED: | BY: Shamos and

ASPCA is the best

When I adopted my first dog (Shamos)as a puppy, I asked my friends for some solid pet owners advice. What would they do over if they could do it again from the start as a pet owner? One friend told me - get pet insurance! Sure enough this has paid off, not only when poor Shamos ate rat poison from my building in NYC, but also when my second puppy, Belle, fractured her elbow joint. ASPCA has quickly and efficiently managed every claim and covered basic puppy exams and maintenance checkups as well as injury claims. They have a variety of plans based on your coverage needs and have a great online management system so you can easily submit and track your claims. You also get a discount for multiple pet coverage. Not to mention, this is an animal organization, not an insurance organization. They have a sincere interest in helping our pet community. I could not have afforded the vet costs to maintain my pups' health without them. Don't be fooled, you can't afford not to invest in pet insurance. Just do it! You'll thank me like I thank my friend every day!

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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