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

POSTED: | BY: Cathy and

Best purchase I ever made

After having 2 cocker spaniels with no insurance and thousand of dollars later, I learned my lesson with the new puppy Sadie. We had her for a month and she ate everything she could. After 2 monthes they found she had a very sensitive stomach. With a pile of vet bills, we only had to pay a small part and the insurance paid the rest. What peace of mind we have taking her to the vet now that we are insured.

out of 5

POSTED: | BY: Lorry

Very ill informed customer service

First phone call to determine they received the claims from the two medical providers. I followed up with both providers and they immediately re sent the claims. A second call to check on the status, they said it would be processed immediately nothing else was needed. I called a third time to check on the progress and was told that they needed 12 months of medical records from my vet. I was annoyed bur called my vet and they were sent the same day. There were two providers, I received one check and they took what they considered standard cost and then only 80% of that. Which resulted in only a 67.95% of the actual bill. I called a fourth time and was told the claim in the claims department and would be processed. Claims does not work on weekends. Why both claims were not processed together is incomprehensible as the illness was tied together. Each customer service person I spoke with appeared to be less competent than the person before. If ASPCA is one of the best, we are in trouble.

out of 5

POSTED: | BY: george

Very good Company!!

Claims are always paid in pretty quick time!!

out of 5

POSTED: | BY: Karen

great to have help with expensive vet bills!

Our 3-year-old pitmix suffered heat stroke this summer and almost died. She spent two nights in a local emergency hospital and four nights at a veterinary teaching hospital. The cost was around $3,500 and our ASPCA insurance covered about half of that. The claims were processed promptly and we received our check within a month or so after submitting them. This was MUCH appreciated.

out of 5

POSTED: | BY: Richard

helps w/costs for your 4 legged children

I am pleased with the customer service dept & how knowledgeable they are when it comes to the care of your loved ones

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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