ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,500

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,500

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

POSTED: | BY: Myvan Truong

Quick Reimbursement

My black Lab got Thyroid cancer and needed to have a surgery to remove the thyroid. When I submitted the claim, I was not sure that the insurance would cover all the expenses (diagnosis,surgery and follow-up appointments). Thanks to ASPCA, the claims were processed quickly and the reimbursement checks came very soon. Now my pet is doing well and she is happy and active.

out of 5


Easy and no hassle claim

Short form to fill out, easy to email or fax to them. status update online to check progress. Check comes in the mail. Simple. Thanks, ASPCA!

out of 5

POSTED: | BY: Sandra

Most unreliable, double talking company

The brochure I received before purchasing clearly states that they cover hereditary conditions. When my dachshound ruptured a disc and became paralyzed she needed immediate surgery. The bills totaled almost $6000. ASPCA refused to pay any of it because dachshounds are prone to this type of injury, calling it hereditary, and saying she isn't covered. A great "bait and switch tactic". The brochure says level 3 covers hereditary conditions but, they did not list it in the contract they later wrote up. CUSTOMER BEWARE!!!!!!!!!!!

out of 5

POSTED: | BY: Tami Wiseman

definitly worth it.

I have had 2 dogs covered with ASPCA and I am glad I did.Without going into a lot of detail, I have received more than I have paid in. I hope they can afford to keep their prices affordable.

out of 5

POSTED: | BY: felix izquierdo

i'm happy i decided to get insurance for my Boomer

it turned out my Boomer had a herniated disk which was causing unbearable pain when moving. his vet tried to find out what the issue was and could not, for obvious reasons. he suggested a neurologist (Southeast Vet. Neurology, in Miami, FL) and that was a God sent. after an MRI, the issue was found, the same day he was operated on, and after 2 weeks at the clinic, he has been fine again. still has to recover another month, but he is fine. ASPCA insurance reviewed the expenses and reimbursed me real fast, no issues, no problems. I highly recommend having insurance, especially ASPCA.thank you for your help and support.

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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