ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 5
  • 58
  • 10,629
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: Danny Manchester

Sydney says Thx

Never figured I would have health problems with my champion bread Russian Blue, but decided to after a friend had several larger vet bills with their dog. So gald I did, at 5 years old Syd got sick and the vet bills grew really quick.

out of 5

POSTED: | BY: JoAnn Merolla-Martin

peace of mind

not expensive and prompt claim response. I have 5 cats, so the cost is worth it to me. After surgery for removal of a tumor, received 80% of the cost in 2 weeks.

out of 5

POSTED: | BY: Karen Apicella

Invaluable for the unexpected emergencies!

I have pugs, which is one of those breeds with lots of potential problems. I got this insurance for the pug I've had since he was a puppy, and he's been ridiculously healthy (fortunately). When I adopted my second from the ASPCA, I thought I'd better add her, and was delighted with the second pet discount. Well, she turned out to be a lot less fortunate in her health issues, and while we didn't opt for the wellness coverage, since we budget for those vet visits, all the premiums we'd paid for the first dog have all been nearly reimbursed since Gremlin developed a persistant infection. I think the amount of reimbursement was fair, although living in my NYC neighborhood, the allowance for office visits and antibiotics was a little low (I've shopped around and my vet now is much more reasonable than the one I used to go to!) Other than that, I've been very happy with this insurance. Prompt payment, and courteous customer service, and I can check on all my claims on a secure website - no holding for the next available person!

out of 5

POSTED: | BY: Joanne Romano

Quick and painless

I have only good things to say about my experience. After vet appt, faxed bill and diagnosis (UTI)to Petshealth. Two weeks got check...easy

out of 5

POSTED: | BY: Patricia Cox


Received app. 1/2 of the claim amt.This included an overnight stay in hospital.

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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