ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,614

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 3
  • 56
  • 10,614
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: Maria Espaillat

I think setting up the account was very…

I think setting up the account was very easy, and the options for the needs I had were met with options that they had, I will recommend this to everyone I know,also!

out of 5

POSTED: | BY: Joann Able

Premium Increases Are Insane

I have had ASPCA insurance for my cat for several years. I have no complaints whatsoever with their claims processing or customer service. I have had to appeal a couple of claims and have had a positive outcome. However, the annual increases in policy costs are absolutely unconscionable and the explanations for the increases are generalized and not sufficiently supported. My premium increase 30% last year and this year will increase an additional 50%! There is no reasonable justification for such increases year after year, except that they can get away with it. If your pet has preexisting conditions, they will not be covered by another company. The only option the policyholder has to mitigate the cost is to reduce coverage in some way. Hardly a customer-friendly policy.

out of 5

POSTED: | BY: Anne Wyckoff

The buying experience is not user friendly

The buying experience is not user friendly. Why isn't it clear when policies take effect? Why isn't a physical policy sent to my home? Where are the instructions on how to get payouts?

out of 5

POSTED: | BY: Alexandra Gaitan

The service used to be so much faster…

The service used to be so much faster and effective. I didn't get my money until a week after getting my claim accepted. The process takes almost 6 weeks in total. ASPCA isn't the same.

out of 5

POSTED: | BY: Sydney

Prompt response time but missing information initially

Customer service was prompt in their response time. However, I needed to contact customer service because I had not been provided all of my customer/policy information as stated upon sign-up.

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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