ASPCA | Pet Insurance Review


out of 5

Number of reviews 9,910

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.8
  • 4.7
  • Count
  • 14
  • 80
  • 9,910
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: Kathleen Ann Rhodes

I sent claims for my dog Pedro and…

I sent claims for my dog Pedro and cannot get an answer as to wether they received it or not through customer service email. A good customer service department would respond at least by the next day. Kathleen Rhodes

out of 5

POSTED: | BY: Yolanda Meneses

Fast and easy

Fast and easy

out of 5

POSTED: | BY: customer

was not too difficult to do

was not too difficult to do

out of 5


I took out insurance on my pet

I took out insurance on my pet. The rates were great. It was easy to peruse the website. Now I have peace of mind in case my pet should get sick or have an accident.

out of 5

POSTED: | BY: Shelby Hart

Easy and affordable enrollment

It was very simple and easy to enroll my dog! Its also much more affordable then other companies, insurance for my Rottweiler has been a ongoing struggle for me the past year. Finding this company and registering with a affordable price with the option of hopefully getting GoFetch Pay makes my heart happy and be at ease.

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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