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

VETERINARIAN: Pilchuck Veterinary Hospital

POSTED: | BY: Pedro Rodriguez

Exceptional Support and Care for My Cane Corso, Luca

I am extremely grateful for the support provided by ASPCA insurance for my 4-year-old male Cane Corso, Luca. Recently, Luca experienced bloody urine, which was a worrying and stressful situation for me. After consulting with Pilchuck Veterinary Hospital, I was able to focus on making the right decisions for Luca's care without the added burden of financial concerns. The worst feeling in the world is knowing your dog is suffering and feeling helpless because of financial constraints. Thanks to ASPCA, I didn't have to choose alternative care plans due to cost. Instead, I was able to provide Luca with the best possible care he needed. The customer service was outstanding, and the claims process was smooth and hassle-free. With the direct deposit reimbursements, the claim process has much improved, with payments being received in just a few days. This support allowed me to prioritize Luca's health and well-being during a challenging time. Thank you, ASPCA, for being there when we needed it the most.

out of 5

POSTED: | BY: Michael S

Awful company yet again claim is…

Awful company yet again claim is denied. Had a policy for almost one year and yet again my claim is denied this time with the reasoning There is a 14 day Waiting Period for coverage of Illnesses and ligament and knee conditions when starting a new plan. Conditions which manifest during this time are not eligible for coverage.. Update: My coverage started almost 1 year ago :-) so how can there be a 14 day waiting perior

out of 5

POSTED: | BY: Phillip C

Once again you guys have hit the ball…

Once again you guys have hit the ball out of the park. My little mini dachshund RickyBobby Tangled with a SUV and came up on the short end of the stick but thanks to some hard work by our vet at Town & Country in Christiansburg he pulled through and thanks to ASPCA pet insurance I was able to afford the $2,500 bill you guys covered almost $1,800 leaving me with the 250 deductible and the $700 20% that I signed up for. you guys are fantastic. I have been with you guys for several several years with the various pets including Miss Molly and Merlin and now of course Benji and RickyBobby. If there is a shortfall with you guys it has to be with the wellness program I believe it could be a little bit better. The refund stipends barely cover half the cost of service provided by the veterinarians. Maybe increase the stipends to match the premiums paid. But really, anytime you need a reference send them to me. You'll get an A+ All the Time

out of 5

POSTED: | BY: Lana Sas

I never received a card for insurance

I never received a card for insurance

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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