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: Kathryn Farrell

Overall experience

I was an ASPCA pet insurance member for about 3 years with policies for my two dogs. The customer service was above and beyond my expectations. My very first experience with the woman I spoke to to set up my account was great. The website and claim forms are easy to navigate and use and the turn around time for reimbursement is relatively quick. My big problem was with the amount of money I was paying into the policy vs the amount of coverage I was getting. Not that I expected to be reimbursed 100% for claims, but it seems that every claim that was paid was exceptionally low. Unfortunately, I did not believe that I was "getting my money's worth" from my policies so that is the only reason why I canceled them.

out of 5

POSTED: | BY: Maggie

Worth every penny!

4 years ago we lost our girl kitty to cancer. We didn't have pet insurance at the time and we were quickly out $5000. After that, I looked into pet insurance and got policies with ASPCA. They have been incredible in the times we have submitted claims. Never any issue in getting reimbursed. Our older kitty who is approaching 17 is starting to have "old kitty" issues and it is reassuring to know that we can continue to give him high quality care without going into significant debt. We will always have insurance and will continue to have our policies with ASPCA.

out of 5

POSTED: | BY: Brenda

Excellent Pet Insurance

ASPCA Pet Insurance has been very helpful to me and my Pug Max. It seems that we are visiting the vet for some reason or another. ASPCA processes claims fairly quickly and with ease. I recommend them to anyone I know with a pet.

out of 5

POSTED: | BY: Theresa

Excellent Customer Service

I purchased the pet insurance after a particularly costly incident with both my dogs and have never regretted this, as recommended by my vet. I have made 1-2 claims per year based on various illnesses and injuries, and the customer service and support has been amazing! The reps truly care about your pet and even call to check in and see how the treatments are going. The claims were processed within days and the benefit explanations were very clear. I am very happy I chose ASPCA for my pet insurance coverage.

out of 5

POSTED: | BY: Christy Pomierski

Excellant Health Plan

I have a 4 year old labrador. This is the BEST thing that I ever did when I signed up for this insurance. I signed up when she was just 8 weeks old have used it numerous times. The most valauble time that I had to use it was last year when she had to have bilaeral ACL surgery that bill was very costly if not for this insurance I would have had a HUGE bill. There system is very easy to use they pay quickly and are very frienly and helpful when you need to call. I would highly recommend this company to anyone who is on the fence about signing up for it. I would never own another dog without this insurance again it has paid for itself over and over again. Great dog insurance can't say enough about it...Every dog deserves the best and I am truly pleased with this insurance.

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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