ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,119

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.
4

out of 5

POSTED: | BY: Alice Friedman

Have used for over 10 years

Have used for over 10 years. Noted improvements in the app and customer service. Banfield clinic closed so looking to add preventative luckily did so because one cat somehow wasn’t added with initial service and preventive services could begin immediately! Only complaint is that cannot add on or change plans except at annual renewal cycle and those cannot be prorated or changed to coincide with annual vet appointments. So although Cat added with prevention, I have to wait another four months before I can add the others!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Joan Garvey

Worst pet insurance on market

This is the worst pet insurance I ever had. Their billing dept is incompetent! My previous company stopped selling pet insurance. Choosing ASPCA was a mistake. I cancelled when one pet died and canceled the other one in January 2025. They have just drafted my account for both pets yet again even though one died in Sept 2024. I will spend another 30 minutes on the phone today trying to get them to understand! Uggg
Read more on Trustpilot
1

out of 5

POSTED: | BY: Dannielle van der Walt

SCAM do not waste your money or think they will have your back when you need them.

SCAM. I have paid into my cats insurance $50/ month for 4 years and then they without telling me have been charging me $80 a month since last November. In the 5 years that I have been responsible and had my cat insured, I have never submitted a claim until this month when she was diagnosed with cancer. In comes the first bill for over $600 appointment and ASPCA will pay $20 and stand by their BS reasoning. Do NOT waste your money, but more importantly - do NOT have a false sense of security instilled thinking that the insurance you have paid into for years and years will actually be there for you when you need them.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Katelynn

Once again this insurance continues to…

Once again this insurance continues to fail when it matters most. I had to bring my cat in for a cardio exam, without it he can't get a dental appointment because the dentist won't risk putting him under otherwise. Fine, sure, can't do anything about it but bite that bullet. At least I have pet insurance, surely that will help! Ah but of course. Claim denied in full, not even a partial coverage or anything put towards deductible. This insurance charges more every year and covers less and less. Absolutely trash, won't be renewing.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Susan Pulliam

Great customer service

Great customer service. Answered all of my questions. I have not used the insurance yet but looking forward to a good experience.
Read more on Trustpilot
Please leave a review

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 Insurance detail
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.
Provider website

Get a quote today

Leave a review