ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 5
  • 58
  • 10,629
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: PHarrison

Teddy and Charlie - 3 year old Beagles

After our last two beagles had serious (translates to very expensive) health issues, when we got Teddy and Charlie we decided to purchase pet health insurance - to at least help defray the unexpected. Talk about "unexpected" - to date - Teddy was diagnosed with the rarest skin disease an animal can have - fortunately the veterinary dermatologist ($$$) is almost certain he will be cured and not need the very expensive medication for life! Charlie ruptured a disc between the 3rd and 4th vertebra - swelling and hemorrhaging caused complete paralysis within 24 hours. After neurosurgery ($$$) on his spine and a week in recovery at the specialty hospital, he was up and walking (very slowly!) - he continued to improve over several months and is a happy playful beagle again! For me, there is no alternative when the boys are young, and otherwise healthy and active and give us more love and laughter than seems possible to return. We are glad we've got ASPCA Pet Insurance! Living in California translates to higher costs for veterinary care, but at least the insurance has been helpful in putting a little dent in the costs incurred. We have been reimbursed reasonably (considering the costs of treatment and care for veterinary specialists in California!), certainly they have more than covered the costs of premiums - we do not regret our decision to get health insurance for Teddy and Charlie!

out of 5

POSTED: | BY: Duraunde L.


Broke his toe and needed medical attention which lasted in total for nearly a month. As I received the invoices I downloaded the claim forms and forwarded them for consideration. I was pleased with the processing time. One aspect that I did not appreciate was the fact that a seperate amendment had to be added to the insurance called continuing care and the time limits if injury occurred again. It limited the insurance coverage unless you paid an additional fee which was not clearly stated in the coverage when first purchased. That aside IM pleased to have coverage for my pet.

out of 5

POSTED: | BY: M. Suzanne

ASPCA Pet Insurance was prompt and fair.

My Doberman was bitten on the muzzle by an agressive dog who came into our yard . Annie's canine tooth was dislodged from the socket and bleeding profusely . After emergency surgery, the claim was submitted to ASPCA Pet Insurance. I had never made a claim before and was given an update on the claim process and was SHOCKED to have an 80% check arrive in less than 10 days! Great service and prompt payment.. what more could you want in protection for your very special friend?

out of 5

POSTED: | BY: Charlene Ortleib

Highly Recommend

We have an 8 year old Golden Retriever named Mia. We purchased Petshealth Ins. for her when she was just a puppy. It was recommended to us by a friend and we are so glad we have it. We've only had to use it a few times, but the service and coverage are excellent. It's so easy to file a claim. The people we have dealt with truly care about you and your pet. It's very reasonable. We wouldn't be without it and highly recommend it to others.

out of 5

POSTED: | BY: Jodie

Peace of mind

We purchased the insurance for peace of mind and hoping to never use it. We have had to file two claims and received prompt payments with painless submissions.

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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