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: Jeanine

Great Pet Insurance

This is one of the best pet insurance companies that I have seen. They actually care about your pets. My only problem is the rising premiums that you pay as your pets get older.

out of 5

POSTED: | BY: Dori

Dependable Health Insurance

I find the ASPCA to be good insurance. They usually follow up from the time a claim is submitted within 4-5 weeks. It is a bit costly but they cover a lot.

out of 5

POSTED: | BY: Paula Bickel

Excellent Customer Service

Every time I call ASPCA not only do they answer the phone, but they are very helpful. They always take the time to answer my questions. As far as my pet goes? She loves ASPCA! She is so happy that they help her mom pay her doctor bills. The insurance is a very good deal especially when you dog gets older and needs more care.

out of 5

POSTED: | BY: Carole Mascari

Do Not Wait: Protection You Can Count On

I am assured that my two kitties will receive the medical attention they need, when they need it, because I have ASPCA Pet Insurance. I maintain peace of mind knowing this. ASPCA provides a full range of benefits, and I recommend ASPCA insurance to everyone! Moreover, claims are handled fairly, with quick payment.

out of 5

POSTED: | BY: Ellen Richter


I am disappointed with Petshealth for seveal reasons:1. While my policy covers 80% of reasonable and customary expenses, I wind up with roughly 50% reimbusements. Your "reasonable and customary" values are not representative of fees in the NYC area. 2. Your policy of classifying any chronic disorder as a pre-existing illness when a new policy year begins is not humane! You consider pets to be property; policy holders consider them to be family. When you finally offered coverage for illnesses that begin in a previous policy year, my dog was excluded because of her age.

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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