ASPCA | Pet Insurance Review


out of 5

Number of reviews 5,668

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.3
  • 4.7
  • 4.7
  • Count
  • 4
  • 52
  • 5,668

Updated: November 13, 2023

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: Cindy

Important tool for pet care

I wish that I had gotten pet health insurance when my dogs were puppies. I also wish that I had gotten the continuing care coverage for my dog before he got to old. My dog loves to eat chocolate, so it has been important to have the insurance for the couple of occasions when he found chocolate and ate it. Having the insurance meant that I didn't hesitate to take him to the vet when that happened and that saved his life at least once. The fact is that I would rather have health coverage for my dogs and the peace of mind knowing that I can provide them with needed health care if the situation arises.

out of 5

POSTED: | BY: Shamos and

ASPCA is the best

When I adopted my first dog (Shamos)as a puppy, I asked my friends for some solid pet owners advice. What would they do over if they could do it again from the start as a pet owner? One friend told me - get pet insurance! Sure enough this has paid off, not only when poor Shamos ate rat poison from my building in NYC, but also when my second puppy, Belle, fractured her elbow joint. ASPCA has quickly and efficiently managed every claim and covered basic puppy exams and maintenance checkups as well as injury claims. They have a variety of plans based on your coverage needs and have a great online management system so you can easily submit and track your claims. You also get a discount for multiple pet coverage. Not to mention, this is an animal organization, not an insurance organization. They have a sincere interest in helping our pet community. I could not have afforded the vet costs to maintain my pups' health without them. Don't be fooled, you can't afford not to invest in pet insurance. Just do it! You'll thank me like I thank my friend every day!

out of 5

POSTED: | BY: Joan Palmino

Glad I have ASPCA PET INS.

Our 3 cats are now 11 and 12. I decided that now is the time to get health insurance for them. Many plans will not accept "older pets". ASPCA did! My Jeter vomited blood and I rushed him to the vet. ASPCA paid my claim promptly. I was very glad I had them

out of 5

POSTED: | BY: C.M. Papa,

After 8 Dobermans: Insurance

My wife and I have been the happy owners of nine Dobermans over the forty years we've been married. They've all been wonderful, "low maintenance" dogs, until our last two. The first is a handsome fellow who has been healthy. Then after 5 years, we adopted his sister. She'd been with us a month and we discovered she had cancer. Needless to say,between the surgery and the chemotherapy, we were set back quite a pretty figure.She's OK now and we consider the money well spent. The experience prompted us to obtain pet insurance for her brother, if for anything it would bring us some peace of mind. Fortunately, he has remained healthy, but developed several minor problems over the past half year. One involved a vitamin B12 deficiency which an internist found and treated successfully, the other problem was an pustular interdigital infection of his right front paw, also treated quickly and successfully. The veterinary bills from both instances were submitted, our deductible met and a portion of our bills reimbursed. This was done in short order and without any difficulty. It really didn't amount to much compared to the expenses put out for the female with cancer, but it reassured us to know that when and if the big fellow ever suffers anything like his sister, the ASPCA insurance will be there to ease our financial burden.

out of 5

POSTED: | BY: Tom &

ASPCA Pet Insurance

Our dog, Cody, had ACL surgery to his rear leg approx 3 months ago. He is no longer in pain and is recovering quite nicely thanks to ASPCA Pet Insurance. For once, we were able make a healthcare decision for our pet based on his medical needs and not based on our wallet! My wife and I are happy and, more importantly, Cody is happy! Thanks ASPCA!

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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