ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,601

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 4
  • 58
  • 10,601
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: Lauren Stoltz

I trust the ASPCA

I trust the ASPCA. The product choices and cost are fantastic!

out of 5

POSTED: | BY: Carol Wright

So far I’ve only applied for the…

So far I’ve only applied for the insurance but they made that pretty easy

out of 5

POSTED: | BY: Robyn M

Claims process takes over 4 weeks

Claims process takes over 4 weeks. When talking to customer service reps, they are not able to help or provide any information. In fact, today when I asked about the processing of my claim now that it's been 4 weeks, the customer service agent told me that they are short staffed and that I should apply for a job with them to help with the processing load. Outrageous. I will be filing a complaint with their management. For the ever increasing premiums that I pay (on time, every time) I should not get a rude run around when asking about a 4 week old claim.

out of 5

POSTED: | BY: Melinda Powers

Fast and easy

Fast and easy

out of 5

POSTED: | BY: Colleen lee

I need my member number.

I need my member number.

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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