ASPCA | Pet Insurance Review


out of 5

Number of reviews 11,445

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,445

Updated: May 29, 2024

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: Rigoberto Valdez

I thought Figo was bad

I thought Figo was bad. This crappy insurance is what I can afford but man are they crap. I have submitted the information for my 1 claim and my vets have too and they keep asking for the same information over and over. Processing for claims is over 2 weeks. You can't even get a supervisor to assist with this. I would not buy this insurance if you can afford another. ASPCA will get a bad rep from here.

out of 5

POSTED: | BY: Chelsea

I’d rate zero stars if I could

I’d rate zero stars if I could. ASPCA considers my cats lymphoma a pre existing condition. While paying for his chemo, I was paying $150/month for ASPCA insurance and was only ever reimbursed for $75 bloodwork despite vet bills for chemo being in the thousands.

out of 5

POSTED: | BY: Christine OTOOLE

Did not disappoint

Our baby girls leg accidentally slipped into a storm drain and fractured 2 bones. We had to go to the emergency vet and let’s just say it’s beyond costly. I was pleasantly surprised when I submitted the initial bill for nearly $1500 to find almost $1100 back in my pocket within 7-10 days. I’ve submitted 2 more bills $150 each and was reimbursed $118 each one week later!!! I’d never be without their insurance…. Thanks ASPCA!

out of 5

POSTED: | BY: Nicole Rotenberry

Thee worst pet insurance I've ever had.

I cat had an illness and since we went to the veterinarian 1 day before the two weeks waiting period. Which he was really sick. They would not reimburse the full bill. I went ahead and cancelled. I definitely would not recommend anyone signing up with them. The last representative was an idiot also could not understand what she was saying. I told her why I was cancelling and she asked me again why are you cancelling? Really?

out of 5

POSTED: | BY: Alice Whitaker

Simple and Easy to Use

Once they have your pets medical records, submitting claims is extremely easy in the app and they are usually swift at paying claims. I've been using them for a couple of years now, and one of my pets recently passed away. The process to change my policy and downgrade my account was straightforward AND they sent me a sweet email. I appreciate how much help they have given me over the last two years, and will be recommending them to everyone I know who has a pet going forward. Thanks for being awesome!

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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