ASPCA | Pet Insurance Review


out of 5

Number of reviews 9,933

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.8
  • 4.7
  • Count
  • 13
  • 81
  • 9,933
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: Summer


Easy to navigate website and get what I needed.

out of 5

POSTED: | BY: Tanya Gee

Easy to understand policies online

Easy to understand policies online, to purchase at great price..

out of 5

POSTED: | BY: Barbara Waindle


I signed up for this insurance with my first 2 cats. Both had medical issues and having insurance saved me quite a bit of money. My third cat had an injury and the insurance paid half of the surgery bill.

out of 5

POSTED: | BY: Jackie

They advertise the pet insurance with…

They advertise the pet insurance with reimbursement but it is saying weeks to months for reimbursement for preventative care.

out of 5

POSTED: | BY: Yoyomcclain

I’m see how this insurance go for my…

I’m see how this insurance go for my baby Kitten. She’s 11 weeks

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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