ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,174

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.7
  • Count
  • 6
  • 76
  • 10,174
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: Penny

Ecellent Customer Services

I have a 10 year Old English Sheep dog, name Gurt, she has a lump on her face and thank goodness it is not cancer. They removed the lump in surgery and then she had blood in her stool, good thing it was only stress from the surgery. Gurt is doing great and ASPCA was excellent. I never had Health insurance for her, it was a relief with all that happen in a short amoutn of time, received checks in a timely manner, they even checked up on Gurt. Thank you ASPCA for taking older dogs. Customer Service was excellent as well with question I had concerning my claim forms.

out of 5

POSTED: | BY: Kim Devitt

Lovin' ASPCA pet insurance!

I have a 1.5 year old corgi mix, Olive, who in the past year has had three incidents that had me taking her to an emergency vet on a Sunday afternoon. These incidents ranged from abcesses, eye infection, diarrhea and things of that nature. I felt a bit guilty for having to file three claims in such a short time, but was so greatful to have this insurance. ASPCA's people who I talked to several times on the phone in each of these incidents were always terrific. I love that they always seemed genuinely concerned for how Olive was doing. Actually, there is never a need to HAVE to talk to anyone on the phone. Their process for filing is very easy. The turnaround for receiving reimbursements is fairly prompt. I was able to track the paperwork via the internet also. Again, just a very smooth process with some caring and capable people just a phone call away.

out of 5

POSTED: | BY: Beate

So glad I chose to make this investment!

As economic times got tough, my employer cut hours and wages. My dog, Gustavo, has always been very healthy, but was getting older. I did not know how I would be able to pay for major veterinary expenses with the money I was making. I had tried once before to insure Gustavo, but was told by that insurance provider that my dog was too old. Applying for insurance ASPCA was a quick and hassle free process, and they insured my dog at 10 years of age. I have since filed two claims, one for a tail injury, and the other for a check up when Gustavo seemed lethargic. Each time I called for assistance or had questions, I was connected to a very knowledgeable, patient and sweet pet insurance agent, who answered all of my questions. Both claims were processed in a timely manner. I do not know how I could have afforded these two vet bills had it not been for the assistance of the ASPCA Pet Insurance. It has proven to be an excellent decision.

out of 5

POSTED: | BY: Dr. Claudia

Foxtail embedded in nose

One evening my sheepdog and I were relaxing, when suddenly without warning, he jumped about three feet into the air and began to sneeze violently. I knew that the only foreign body to produce such a clinical picture was a foxtail.I drove him to the ED, where the doctor examined him, but couldn't find the foxtail, I reluctantly took him home. The following morning, he sneezed out a blood clot. This time I took him to his regular doctor, where under anesthesia he removed the largest foxtail I had ever seen. He's been fine ever since. My medical bill was for $260.00, his ASPCA insurance covered 60%. I've have had several scares with my sheep dog, but thanks th ASPCA insurance, I don't have to worry, because I know they are there for my dog at any cost. He has been insured since he was a puppy, and I'm glad he is. I am very grateful, Thank you ASPCA you really care about animals.

out of 5

POSTED: | BY: Gale Ward

Greyhounds are not graceful off the track!

I have been more than happy with ASPCA. Trips to the Vet are costly and when my clumsy Boys have an accident, I have been pleasantly surprised with the polite, professional and financial help we have received.

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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