ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,447

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,447

Updated: May 29, 2024

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: Joanna Stancil

A must have assest to protect fur babies

I am very glad I have ASPCA Pet Insurance. When Dakota became ill the insurance helped me focus on what was truly important, her medical care and our time together, not the cost of the care. While insurance doesn't pay all the bills it makes the financial commitment less of a burden. Dakota has passed away and now I and my elder cat Shawnee are facing the challenges older cats experience. Again I can focus on providing her quality care and our time together. I depend on ASPCA per insurance.

out of 5

POSTED: | BY: Vincent Papadopoli

Compassionate Coverage

I first purchased pet insurance from ASPCA for my cocker spaniel. She contracted a serious disease and we were unable to save her. ASPCA was very compassionate about the illness and they wonderful in completing my claim. When I rescued my present dog, the first thing I did was enroll her in this insurance program. Unfortunately we had to use the coverage twice since we got her and ASPCA promptly addressed the claims. I would recommend them to all pet owners. The policy provides some peace of mind and financial assistance for costly I'll less expenses.

out of 5

POSTED: | BY: Ziva Jenkala


We've had a few pets in the past and regret not having health insurance. These people care about your animal and it shows. It's the best thing we have done for Milo.

out of 5

POSTED: | BY: Sandra

Excellent nsurance

I bought the ASPCA insurance with a Wellness rider and have been very satisfied with the coverage and immediate reimbursement. Having this insurance brings piece of mind especially when the unxpected hits.

out of 5


Rapid Service

I have had insurance with ASPCA for some years and it has always come through for my pets. The most recent event was a torn ACL which required Sara to undergo surgery. The cost was $3400 and ASPCA paid over $2700. I think it was fair and the reimbursement came quickly.

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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