ASPCA | Pet Insurance Review


out of 10

5585 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.1
  • 9.1
  • Count
  • 11
  • 35
  • 5585
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 10

POSTED: | BY: J David McNaul

Great Pet Insurance Company

ASPCA Pet Insurance has been a great move on our part. Costs have been relatively flat on the policies and their service has been great. As with most companies processing claims got a little slow during the pandemic, but now they are getting them done in days. Very easy company to work with. We lost one of our two furbabies a couple of weeks ago, and I was blown away with the compassion shown by ASPCA. Not only did they process the claim quickly, unlike another insurance company we used to be with they also cancelled the pups policy and won't be billing for the rest of the year. They also called us with condolences, and then we got a wonderful and compassionate card in the mail as well. This company is the BEST!!!

out of 10

POSTED: | BY: Marion Dearnley

The people I talked to were very patient nd helpful

Excellent insurance.

out of 10

POSTED: | BY: Amy Houser

Is always easy to complete, and everyone is helpful, & nice.

It’s always very easy to submit a claim. Everyone is always extremely helpful, and nice when you need to call for anything. So far I haven’t had any issues having a claim paid.

out of 10

POSTED: | BY: john tucker

very good coverage for the price, and quick claim settlement

Very reasonable price for accident only coverage. Quick claim settlement. User friendly website for claim filing.

out of 10

POSTED: | BY: Deb Sharp

Life saver wonderful experience

I do appreciate their staff and there policy

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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