ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,447

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,447

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: wendy

better than people insurance

my dog recently had a claim and it was handled quickly and a representative even called to check on my dog's condition between visits to the vet. all of the representatives i've dealt with have been very friendly and helpful.

out of 5

POSTED: | BY: Henry G.

Every pet owner should have ASPCA!!

I have filed two claims with ASPCA and they were handled professionally and fairly. I contacted ASPCA and inquired about their support for vets and they informed me they had literature and support people. I then contacted my vet and their office is looking forward to the support available from ASPCA I then contacted ASPCA and informed them of my vets interest and they are taking it from there.

out of 5

POSTED: | BY: Phyllis R.

Petshealth Care Plan is SUPER!!!!!

I have been with Petshealth Care Plan for 8 years and have been totally satisfied with there service. They are always quick to respond to any claims that I have filed and also have called personally to check on our dear "Bella" when we had exstensive care recently. They are glad to answer any questions you may have. With the cost of taking care of a sick pet, it is rewarding to know that you will not have to be responsible for all of the cost involved in the care of your precious pet...Thank you Pethealth for all you do!!

out of 5

POSTED: | BY: Danielle Salmoson

ASPCA, always there when I need them

ASPCA Pet Insurance has played a very important role in helping me provide quality health care for my Yorkshire Terrier. Their service is prompt and the people that work for ASPCA Pet Insurance are the greatest!

out of 5

POSTED: | BY: Linda M.

If you have a pet, insurance is important.

Bailey is a rescue dog that I have had for three years. Recently he started vomiting every night for 9 days - even after getting meds from the vet. Thought all was well but had a bad episode on July 4th and took him to the emergency clinic. I submitted all of Bailey's bills for this illness. The response was fast and I am appreciative of the procedures covered. I am glad that I have ASPCA Pet Insurance for my Bales. I don't have to hesitate about giving him the care he needs. The personal calls received after each claim to check on Bailey is an added plus. Thank you!

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.

Get a quote today

Leave a review