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: Mary Kay

I'll always have ASPCA Pet Insurance from now on.

Our younger cat, Zoe, was 10 years old before we realized it. She had always been healthy (strickly indoors)and since she was 8 years younger than our other kitty, Minnie, we thought of her as a youngster. I began to notice that she was having difficulty eating and took her to our vet. A look in Zoe's mouth told Dr. Boyd that there were problems and that she would probably need to pull at least one tooth. After she sedated Zoe and had cleaned and checked her teeth, the vet called me to say that Zoe had a serious, painful, dental disease (resorbtive lesions) and would need to see a specialist. We were impressed with the specialist recommended by our regular vet and felt confident that her recommendation that Zoe have 8 more teeth pulled was valid. The bill for the combined vet/specialist surgeries was over $1000 and ASPCA Pet Insurance reimbursed about half that amount. We only wish we had taken the Pet Insurance on our older cat years ago before she had a spinal cord injury that has cost us thousands.

out of 5

POSTED: | BY: Jen Sanders

Life saving, quick turn around.

I had been searching around and came on the website for pet health insurance. Having a lab puppy they tend to get into things. I actually considered cancelling the insurance a month ago, but after Buddy's accident I submitted a claim to help cover the costs of the vet bill. They were very quick on the turn around and I received a great deal from the claim. I am so glad I did not cancel this. Buddy is a member of our family and he too will get hurt. This is a great way to help protect him. I highly recommend this Health Insurance for pets.

out of 5

POSTED: | BY: Greg

Always buy pet insurance!

I currently have two dogs that have Petshealth Insurance, and will always keep them insured. My last two great dogs cost me thousands of dollars, so I purchased plans for the current two when they were pups. True, not every year I break even, but I know they are covered and that's a feeling. One ingested 42 earplugs a little over a year ago, and the reimbursement for that incident alone will pay for his insurance for more than two years. Information and payment has always been timely. One would be nice to have a "reasonable cost" chart. My vet is very careful with costs, and it always surprises me when I am only partially reimbursed, even for vaccines. Having the information before treatment would take out the surprise factor, and may help with disappoinment for all of your clients.

out of 5

POSTED: | BY: Gretchen

Insurance for Unexpected Pet Health Problems

I purchased this insurance for our Akita who is now about 9 years old. Luckily, I did not need to use the insurance very often as this pet has been fairly healthy. However, the policy offers peace of mind when it comes to unexpected medical expenses. It makes it easier to concentrate on diagnosis and treatment options without the monetary concerns guiding the outcome. I would find it more convenient if I did not have to submit the paperwork on my own as I often neglect to do so after I return from the vet's office. Someone mentioned to me that it would be helpful to fill in the basic parts of the paperwork and use it as a template for future vet visits. I plan to do this in the future to enable more timely submission of expenses.

out of 5

POSTED: | BY: Carol Emery

Good Pet Insurance

Claim was handled promptly and effeciently. I hope in the future you will allow some discounts or coverage for wellness checkups as that encourages pet owners to take their pet once or twice a year for check up, which is important. I had an illness for my cat this year and also her wellness checkup. Because I went for the illness and submitted a claim, I got a check for the wellness checkup. Otherwise my pet is healthy and the wellness checkup have never been covered. I hope you can correct this. Thanks so much.

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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