ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,500

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,500

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: Jane Sokolow

Good insurance! So glad I have it!

I've had other pet insurance before, but I saw a tip in a dog magazine for ASPCA and after reviewing the features, I got it, mainly because it covered more than my old insurance. My coverage seems high until I need it. Vet practices need many more sophisticated procedures than in past years, and they do cost! I've been pleased with the efficiency and fairness of ASPCA insurance, so I'm sticking with them. I recommend it.

out of 5

POSTED: | BY: Debbie Kohlscheen

Multiple Dog Owner

We have multiple German Sheperds. After getting our second one a male, he developed severe skin infections, allergies to grasses, trees, weeds and FOOD. Without this insurance coverage I don't know where we would be!! It helps to know that you can count on ASPCA Pet Insurance to be there. They have always answered my questions, they have have been prompt with filing my claims. The vets office reports that they are always nice when they call to inquire about medical records. We have insurance on all three of our dogs. It is peace of mind for us. I would highly recommend them!!

out of 5

POSTED: | BY: Deirdre Oliver

Ups and Downs. Mostly Ups.

As far as working with insurance companies are, it's pretty good. There was a little hitch early on with a claim that eventually became a continuing care type event which was a little stressful which our vet had to get proactive in, but after it got settled they've been quite good about accepting the claims for the medicine our girl is on for life. The thing about insurance is that you're betting against your pets. If you're lucky, you won't need to file a claim. But if there is a problem with your pet, it's a nice safety net to make sure you can continue giving your pets the care they need.

out of 5

POSTED: | BY: Cindy

Better than human health insurance

My 2 year old lab had two separate health events this summer. One was gastro related and a month later, what I thought was an obstruction in her throat turned out to be kennel cough caught from her "Cousin" dog Cami. I paid both vet bills and at that time it never occurred to me to file a claim as it did not include any surgery or serious illness, thankfully. I called ASCPA Pet Health and described the symptoms and the treatments and asked it the claims would be covered. The service level I received was a 10 and the representative encouraged me to file a claim for both events. Within a couple of weeks I was reimbursed and then received a follow up call from Douglas to ask how my dog was and to ensure I was satisfied. My takeaway from this was that Blue Cross Blue Shield human health insurance could learn from the ASCPA Pet Health Insurance!

out of 5

POSTED: | BY: Jill Rosditsky


This is a wonderful Company to do Business with. I would have to say my only complaint would be that it takes awhile for them to process the claim.

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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