ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,338

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 6
  • 39
  • 11,338

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: Maria Joseph

TOTALLY disapointed.

Not what I especed at all. Information by phone was false. Not happy. Improve services PLEASE!!!!!!

out of 5

POSTED: | BY: Andrea Covell

So relieved

So glad I have insurance with ASPCA. Carly (my silver gray, 12+ year old cat)was vomiting, wouldn't eat (this NEVER happens) and was generally lethargic -- just not herself. Because she was insured, I didn't have to give it a second thought. Off to the vet we went. I was able to tell the vet to go ahead and do the tests that would rule out anything life-threatening -- which I may not have been able to afford, it I didn't have your insurance. She's fine and the problem was not serious, but my relief was immeasurable.

out of 5

POSTED: | BY: victor bae


they will cover about 50% of costs

out of 5

POSTED: | BY: Patricia Scrimiger

Really appreciated the courteous service.

Tina was 4 years 11 months old when she obviously got into something she should have avoided. We had to rush her to an emergency clinic as it was the weekend and our vet was closed. She was vomiting and having diarhhea simultaneously and became seriously dehydrated. She recovered after saline IVs and antibiotics. The ASPCA insurance was heartily appreciated, our reimbursement was rapid and the company was very gracious with their concern and response.

out of 5

POSTED: | BY: Denise Moran

Excellent Pet Insurance

I have had ASPCA pet insurance for a few years now. Originally I had no insurance and my dog had to have CCL repair surgery which is a very expensive surgery. After that expense I decided that the cost of insuring all my pets was well worth it. Since getting coverage one of my dogs was diagnosed with Addison's disease. My other dog has Hypothyroidism. Without ASPCA insurance coverage I may have had to euthanize the dog with Addison's because it is very expensive to diagnose and her ongoing meds, lab work, etc are very expensive. Due to ASPCA's coverage she has been able to live a normal life. I am grateful to ASPCA for offering the coverage.

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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