ASPCA | Pet Insurance Review


out of 5

Number of reviews 10,192

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.7
  • Count
  • 6
  • 75
  • 10,192
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: Kenyon Erickson


THIS COMPANY IS A COMPLETE SCAM! Do not purchase any horse insurance through this company!!!! I insured my horse through ASPCA for accident and colic. My horse had an accident that led to colic. They denied both the accident and colic because the vet records didnt specify colic even though the records specified colic many times! The customer support is a joke, the lady just talked in circles and lied the entire time. I even caught her lying and she just lied more!!!

out of 5

POSTED: | BY: Anthony Caiazzo

Long wait

It took far too long to reach a customer service representative while trying to purchase insurance. Called back multiple times and also had a call drop after spending 30 minutes on the phone.

out of 5

POSTED: | BY: Rosemarie Wiesehan

Used you for many years

Used you for many years. Always, its me confusing my dogs billing. Very patient and kind, excellent customer service. Dogs love you too!

out of 5

POSTED: | BY: Teresa Gonzalez

It was easy and clear to follow…

It was easy and clear to follow instructions to cover both of my pets for their medical needs. Of course I won’t know for sure till I start using the insurance.

out of 5

POSTED: | BY: Darwin Varela

I have no idea of my experience

I have no idea of my experience. I will let you know how you are doing depending on how fast you pay on any future claims.

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.

Get a quote today

Leave a review