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: Wendy

Fair terms...

This company has been relatively fair in reimbursements and upholding policy promises but are not completely fair when it comes to THEM deciding what is claimable and what is not.

out of 5

POSTED: | BY: Carol Brodeur

Thank Goodness for ASPCA

One day my Bentley started vomiting. He started doing this several times in one week. Hiw bowels were also very soft. You could see he was losing weight and he was moping around, not normal for him. Usually he is very playful. I took him to the Vet and they ran all kinds of tests, which you know are very expensive. With the visit, the tests and the medicine, the charge was over $500. I submitted my claim by faxing in the papers. A few weeks later, I received a check for part of the expenses. What a relief. Seems like everytime I take Bentley to the Vet, the bills are so outrageous.....and I am so happy to be with ASPCA. We insure ourselves, and we must insure our pets. They are part of our family and we love them dearly. We chose the plan that covers neutering, so Bentley is being neutered this Friday and will probably have his teeth cleaned while he is under the sedation. Very comforting knowing that part of this will be covered by the ASPCA insurance. I tell all my friends with pets that we have this insurance and encourage them to look into it for their family pets. Carol Brodeur

out of 5

POSTED: | BY: Jill Porter

Great help in taking good care of your pet.

I have been very thankful to have coverage on my 3-year-old boxer. She seems to have allergies and is a bit of a klutz. I've been able to have the vet take a look at her when, without insurance, I would have been a little more hesitant due to the cost of vet bills. It's a comforting feeling. However, pet insurance works differently than health insurance and you need to make sure you understand the rules, especially in regards to a condition that spans over the renewal date of the policy. It can get a little tricky. However, when it comes down to it, my $35 per month has been

out of 5

POSTED: | BY: Noelle S.

Helpful for Senior Dogs

We were with another pet insurer and switched to ASPCA because they had a better payout and coverage. Our dogs are 9 and 12 and signed up for illness and injury only. I have had good customer service and quick response on being reimbursed.

out of 5

POSTED: | BY: Kathy Zehren

We appreciate Pets Health Care

I am so glad I found PetshealthCare on line. We owned two Yorkies before our present pets. Through the years with them, we experienced a few expensive trips to the vet. At three years old, one of them had a brain anurysum (Sp.??) both were spayed , one knee surgery and numerous tumors removed. When we finally had to put them down at 15 and 18 yrs. of age, we signed up for Pets Health Care to help with our new little girls.I feel much more comfortable knowing we are covered.

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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