ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 5
  • 58
  • 10,629
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: Lynsey

So helpful!

If it wasn't for the health insurance I wouldn't be able to afford my dog.

out of 5

POSTED: | BY: nancy bixby

overall good coverage lacking in some basics

I just found out that you consider a pre-existing condition anything covered in the previous year? Is this correct. If so I will change policies asap. I read this in an E-mail above from a customer. Otherwise coverage is good but I wish you would cover well being items such as flea meds.

out of 5

POSTED: | BY: Michael Zukowski

Pleased With The Assistance

We have two beautiful female black cats, Sheba and Isis. They are sisters from the same litter who adopted us 11 years ago. Sheba is doing great, she is always perky, always having a very "vocal" opinion on everything. Isis, is not doing so great. She has lost a significant amount of weight, and is not as active as she used to be. The vet took an X-Ray and did an ultrasound, where he has found several large masses in several areas. We know the end is near, but for now, she is being sustained on medications to help keep her comfortable. We (the vet, my wife & I) feel that for now, Isis is eating, and is moving around, can still jump onto the sofa, into our lap, and nuzzle, so we are doing the right thing for now. We are taking it week by week. As for the actual insurance coverage, I have yet to find any vets in my area with prices as low as the "average rates" that ASPCA Pet Care uses to calculate reimbursements. But, on the plus side, every little bit helps

out of 5

POSTED: | BY: Frank Fenzel

Efficient and financially very helpful.

Efficient and financially very helpful

out of 5

POSTED: | BY: Pat McFadden

Good Job

I was very pleased by the care taken with my claim. The check came quickly. Thanks.

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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