ASPCA | Pet Insurance Review


out of 5

Pet Insurance Reviews: 5,635
Trustpilot Reviews: 4,082

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.4
  • 4.7
  • 4.7
  • Count
  • 16
  • 78
  • 5,635
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: Crystal Hernandez

I like it

I like it. Very polite and understand

out of 5

POSTED: | BY: lee haralson

Delays after delays

I've had ASPCA for 3 plus years. Since starting with them was great, no problems. Moving forward after the first year and I price increase of more than $20 a month just for the increased amount made the monthly insurance cost about $55. The 2nd year Covid hit and life changed for all of us. My insurance had everyone working from their home. I had 2 or 3 $100 or less claims the 2nd year. I emailed the claims into their office. They offer direct deposit when they pay a claim. After 3 weeks and no communication I called their office. Recording comes on and says due to Covid claims will be taking at least 30 days extra to process. I waited the 30 days for the 1st claim called had to leave a message due Covid. How convenient to NOT pay claims and use COVID as the excuse to withhold paying claims. Whether you work at home or the office only difference is an office verses a room in your house. If their employees had that much obstacles keeping them from processing claims the management should have corrected that. Moving forward it took45-60 days to get paid for claims that are minor. My policy is a $100 deductible with a 90% coverage. Now that Covid can't be used as an excuse and into the 3rd year I submitted another $108 claim waited 3 weeks and get a notice that the claims reps wants a complete medical history. Now remember I have only used 1 vet for 3 1/2 years. The insurance pulled this on the last claim during the 2nd year asking for medical history. My recent claim is the 1st for the new year $108 and they denied the claim because they could not get the vet to provide the history. My vet advised me they are playing games. They have my dogs history for the last 3 years and now look their excuse. I could have changed insurance but I gave them another chance. This year they raised my dogs monthly cost to more the $86.00 per month. My dog is not sickly and very healthy. It appears to me ASPCA is having financial problems and they use every excuse to not pay your claim and deny claims. Also ASPCA is not affiliated to the charity organization that help animals. I do not recommend this company. If you have insurance with ASPCA good luck as each year goes by you will remember my review and so will your bank account. BEWARE

out of 5

POSTED: | BY: Lisa Locke

Very easy to use web site and claim…

Very easy to use web site and claim process.

out of 5

POSTED: | BY: Jaci

The published literature was concise…

The published literature was concise and informative. Your comparisons and participation in the comparison app was very helpful.

out of 5

POSTED: | BY: Sharon Gable

have not use your insurance yet.

have not use your insurance yet.

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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