ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,403

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,403

Updated: May 24, 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

POSTED: | BY: Deborah Colson

Waste of Time and Money

I thought people insurance was bad; these folks will do anything to get out of paying. Took me months to just get denied and for puppy stuff and I had the 90% plus plan....all the minute excuses for not reimbursing me and having a different start date on file as well. I also had to keep resubmitting my claims because they couldn't read the one's I faxed, the Vet invoices that gave details wasn't enough they had to get the Vets "notes", wouldn't cover a preexisting condition for a puppy with Giard. Don't waste your time or money!!!

out of 5

POSTED: | BY: Debra Smith

I feel this company has betrayed me and my pet.

I have had this insurance for 11 years and have not sent any claims until last year and only a few. After being insured with you her whole life when she is treated for one thing, she is no longer insured for that one ailment. Being insured all these years with you has prevented me from having real insurance coverage on my pet now when I need it. So as long as I paid the premium with no claims you take my money but when I need the coverage you drop her from the coverage she needs. Now at her age it is hard to find another insurance but I will. I sure wish I had been insured with another company all these past years.

out of 5

POSTED: | BY: John S.

Best Investment To Safeguard Our Pet's Health

We have had our Golden Retriver's health, accident & wellness insurance through ASPCA since she was 3 years old. Over the past six years, whenever there was an illness, accident or wellnes exam ASPCA was there to help pay the bills. Over the past 3 years, our pet has experienced a bladder infection, ear infections,a gastro problem [most probably caused by the dry dog food she was on which the mfr had a recall],& a sprained front paw from stepping in a mole hole while running in an open field. ASPCA never failed to live up to their advertised promises.

out of 5

POSTED: | BY: John Feeley

Great caring response.

Our dog, Mickey, scratched his eye and it was watering and tearing constantly. The vet treated him several time and finally cured the scratch on his cornea. The claim we filed was handled quickly and efficiently. Thank you ASPCA Insurance.

out of 5

POSTED: | BY: Leslie A.

Thanks for being my pets' friend

Before I had ASPCA insurance for my cats, I had had VPI (whose deductible was $50 per incident per year) and then Pets Health (whose deductible was the same as ASPCA's, but they never paid ANYthing.With ASPCA insurance, I have policies that actually are worth something to me - and to my cats, especially now that I am retired and on a fixed income. One of my most recent issues was with my 14-year-old Siamese cat, Jontue II. In the course of three vet visits during approximately three weeks, I had spent over $900 on his care, including euthanasia at the last visit. My payments from ASPCA totaled more than two thirds of my costs. I am happy to say that my new kitty, Jontue III, has now been signed up for ASPCA insurance, along with his aunt and uncles. Thank you for being my pets' friend (and mine), Travel down the road and back again; Your heart is true, you're a pal and a confidant.....

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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