ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,598

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 3
  • 58
  • 10,598
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


Almost Helpfull

It will pay on average a bit over 50% of your vet bill if this is what you expect. The actual claim reimbursement check was sent in close to 4 weeks. This is my second incident in 2 years and I did see some improvement.

out of 5

POSTED: | BY: Kim Cano

ASPCA insurance saved me $$$$

My cat was ill, throwing up many times. He eventually began throwing up blood. It was the middle of the night and I had to take him to a 24 veterinarian care. The bill was pricey, but I submitted my first claim and was paid a reasonable amount of it back.

out of 5

POSTED: | BY: Ann Wallace

ASPCA paid as stated on our contract.

Our adopted dog, unfortunately, got a fish hook up his nose. We submitted our claim and were paid according to our policy. It was prompt payment and without hassle.

out of 5

POSTED: | BY: Alice Shaber

Onset of dental problems

My 9-yr-old cat Isabel had never had any medical or dental problems. But after spending a great deal of money trying to take care of my other cat (who subsequently died), I decided to purchase Pet Insurance for Isabel Less than 2 years later, Isabel developed gum disease and needed treatment, an extraction, and medications. ASPCA Pet Insurance re-imbursed me for over $600 of the cost. A godsend!

out of 5

POSTED: | BY: Sabrina Hawkins

Good price for peace of mind for my dog's health

Glad I went with ASPCA pet health insurance. Fast repayments.

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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