ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

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.
1

out of 5

POSTED: | BY: CHL

I signed my newly adopted Shih Tsu up…

I signed my newly adopted Shih Tsu up for ASPCA insurance 7/7/2025. I submitted several claims for routine veterinary care and two incidences of ear infections. So far every claim is being questioned, despite my having sent required documentation and providing details in each claim. One claim is being questioned because it "didn't upload correctly," but they have a record of what I submitted, including the detail. I downloaded a copy of it from their website. It appears they're routinely holding everything for "more information from my vet." With the exception of the ear infections and a microchip, everything else has been for required vaccinations and heart worm, flea, and tick medication. I plan to drop this insurance as soon as I can find a decent replacement.
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5

out of 5

POSTED: | BY: William Allen

Wyatt 2026

Has been a pleasure fir the past two years.
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4

out of 5

POSTED: | BY: luciana dacosta

They cover my dogs allergies and his…

They cover my dogs allergies and his prescription food which is great. Not a fan of how long the reimbursement can take. I wish they covered flea and tick prevention.
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

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.

Deductible

$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.

Exclusions

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 Insurance detail
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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