ASPCA | Pet Insurance Review


out of 10

5585 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.1
  • 9.1
  • Count
  • 11
  • 35
  • 5585
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 10

POSTED: | BY: Deborah Reeves

LOOK NO FURTHER, This Insurance Is THE BEST!!!!

I am so HAPPY I purchased this Insurance from ASPCA. I have had to make MANY claims, unfortunately but they were always quick to process & payout!!! I am on a fixed income & Seriously, this Insurance has been such a BLESSING !!!! It's so easy to do the claim & if you have ANY questions the customer service is the BEST. They are all SWEET, CARING & HAPPY to help. I can't say enough good things about their help & WONDERFUL PERSONALITIES!!! I don't do B.S. reviews, I want you to know you WILL NOT regret choosing ASPCA for dog or cat insurances!!!! They have saved me lots of money. My German Shepherd has had several very expensive medical problems and had I been without this complete coverage insurance, I would be in deep debt today!!!! Veterinarian prices are so high and (just like children) you never know from day to day what accident or injury one will have and you DO NOT want to get caught without insurances!!! I have had my German Shepherd insured thru ASPCA for about 5 and a half years, in that span of time they have only did a SMALL price increase ONCE (It was no biggie)! I cannot say enough GOOD ABOUT THEM!!! I can honestly say you will not regret taking out insurance thru ASPCA!!!! THEY HAVE BEEN THE BEST!!!!

out of 10

POSTED: | BY: Angelo Cuanang

Fast efficient service

My dog Bobby swallowed a small ball. He stopped eating and was vomiting. Took him to 2 vets and they extracted ball endoscopically. When it was all done the total was close to $5000. I put in a claim online and in a few days they paid most of the bill. I am very happy with their fast efficient service!

out of 10

POSTED: | BY: Jennifer Cumbow

I have been overall very pleased with ASPCA for my Ollie.

I am very pleased with this insurance overall. The only remotely negative thing I could even say is that sometimes claim turnaround isn't very prompt, but overall, they do a very good job!

out of 10

POSTED: | BY: Steven Steinberg

Prompt claim service.

Over all very satisfied. Claims get processed quickly.

out of 10

POSTED: | BY: Loren Lippincott

Easy to work with

Quick an easy claim.

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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