ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,511

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,511

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: Maise and Juice

Good website and ease in submitting…

Good website and ease in submitting claims. My only gripe are the delays in their processing claims.

out of 5

POSTED: | BY: Andrea Pinsky

Very pleased

My 5 dogs have been insured through ASPCA for more than 5 years. Lately the turn around time once a claim has been submitted has been quick and I like the ease of submitting claims via app on my phone. Customer service has been easy to reach as well. I definitely notice a great improvement since I first became a member.

out of 5

POSTED: | BY: Sarah Amsler

Never sent me my account number and…

Never sent me my account number and information to complete my membership account

out of 5

POSTED: | BY: Christine Nangle

Great Insurance!

Great Insurance! Always helpful when I reach out, claims are processed quickly and fairly, and when my pet passed away they treated it with great sensitivity.

out of 5


I don't even know why I have this…

I don't even know why I have this insurance. All my claims get denied. This doesn't help me or my dog's needs. I'm just buried in vet debt.

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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