4
out of 5
POSTED: | BY: Amador Rodriguez
New review
Keep me up on my claims
Read more on Trustpilot
4.4
out of 5
Number of reviews 12,170
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: MissDanelle
If I could give 0 stars I would. It’s a complete waste of time and money.
If I could give 0 stars I would.
This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago.
This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back.
I have requested a refund and heard nothing back. I feel completely scammed.
5
out of 5
POSTED: | BY: Maria Morales
Quick processing of claims.
Quick processing of claims.
5
out of 5
POSTED: | BY: Sonia
Solid Options for Pet Owners
I’ve had ASPCA Pet Health Insurance for my Cat for over seven years, and overall my experience has been positive. The coverage helped significantly with emergency vet bills, and the claim submission process online was fairly simple. Reimbursements were not instant, but I usually received payment within a couple of weeks.
What I like most is the broad coverage options, especially for accidents and illnesses. It gave me peace of mind knowing I wouldn’t have to make financial decisions during an emergency.
Overall, I’d rate ASPCA Pet Health Insurance 4 out of 5 stars. It’s a solid option for pet owners looking for reliable protection, especially if you enroll your pet while they’re still young and healthy.
5
out of 5
POSTED: | BY: Diane King
My claims are always paid quickly
My claims are always paid quickly, I have never had any problems. The price is reasonable.
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 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.