ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,344

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.7
  • Count
  • 7
  • 40
  • 11,344

Updated: November 13, 2023

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: Jodi Cooper

Excellent customer service

Excellent customer service! I can’t recommend them enough!

out of 5

POSTED: | BY: Regina Mauras

Claims are easy to file

Claims are easy to file, and are paid quickly!

out of 5


Satisfied Customer

Claim filing was simple in the two instances I have filed a claim. Reimbursement was according to the purchased plan and done quite quickly. Overall- Satisfied.

out of 5

POSTED: | BY: Cheryl Barnes

Very affordable

Filing a claim was so easy and took only a few days to be completed. Very affordable. They were so kind and sympathetic when I had to put my dog to rest.

out of 5

POSTED: | BY: Cathie

Online submission didn't work

I tried to submit a claim, answered every question, and uploaded the required documents. The system wouldn't allow me to "submit." I cannot contact anyone for help since it's the weekend. Why am I paying a monthly fee for nothing? There wasn't even an email link that worked so I could ask someone to contact me on Monday.

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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