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: shon

Peace of mind

I have two 8 month old labradoodles, Husker and Sadie. Thus far they have been healthy, but knowing they would be covered if something catastrophic occurred is good peace of mind.

out of 5

POSTED: | BY: Kimberly Joseph

Glad you asked.

I was not happy with the way my claim was handled with Petie in Dec. 2010. I had insurance with you in the past, canceled and decided to try again. You received my claim on 12-3-10, and after approx. 2 weeks I called to see what the status was. I was told that you were waiting for my vet to send info. and you (ASPCA) would fax them a notice again(why did I have to call to get this initiated?) A few days later I called to see if you received the info. The rep. said no. So I called my vet and she said she sent everything you needed several weeks ago, but would fax the info to you again. I called and your rep still didn't get it. I asked my vet to send ME the copies, I sent them in myself, and my claim finally got done 1-7-11. It seemed you had the documents from my vet, all along, but for some reason the rep couldn't find them. After all that, you only reimbursed me $20. I filed an appeal and won, that happened in a few days. Now, you are not paying anything on my second cat pumpkin for the same thing. On this claim, I did get e-mails throughout the process notifying me of what was going on with pumpkin's claim. I will appeal this one and if I do not win, I will cancel. This is ridiculous that I have to go through all this. Thank you for listening. Kim

out of 5

POSTED: | BY: Diana Costa


My Golden Retriever now 16 months has had a few medical issues since getting pet insurance. Lucky for me it has already paid for itself within the first 4 months of receiving the plan; not that you want to have to use the insurance....but to me it's well worth it, as health insurance continues to rise.

out of 5

POSTED: | BY: Tara Casanova-Powell

Thank God for ASPCA Pet Insurance

My boxer had a severe allergic reaction and needed several emergency and follow up visits to the vet-at least 10. These visits proved to be very costly and were charged to our credit card. With the reimbursement checks from ASPCA pet insurance we were able to offset a good portion of the cost. I would never want to refuse my "little love" care because I couldn't afford it. "Thank God for ASPCA pet insurance", they reviewed my claims quickly and I received the checks before my next credit card billing cycle.

out of 5

POSTED: | BY: Dennis Murphy

Money Well Spent

A few years back my Cavalier King Charles ate a sock and it did not pass. A $4000 operation followed and I decided that a pet so valuable should have proper insurance. Since I have obtained Hartville insurance, Murph has stopped eating socks but has had a few claims to submit. All these claims are handled professionally and in a timely manner. We are very satisfied customers!

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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