ASPCA | Pet Insurance Review


out of 10

5585 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.1
  • 9.1
  • Count
  • 11
  • 35
  • 5585
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 10

POSTED: | BY: Paul K

Would recommend to all of my friends

I adopted a bulldog mix during the pandemic - luckily I had insurance because she had a tumor and spay issues. ASPCA covered it (minus the spay since I did not have wellness added on. I did not know this but they were able to explain over the phone that it was not covered without adding wellness.) The claim itself was 4K - and I was reimbursed close to that amount. I plan to keep this insurance forever because I was not expecting a rescue dog to rack up a 4k bill within adopting her! I also love the mobile app, I would check that daily to check on my claim status. Direct deposit was made within a few days after the claim cleared.

out of 10

POSTED: | BY: Steve Morel

False advertising and dishonest.

I purchased insurance for our dog & our daughters dog. When it came time to actually use the insurance in both cases after weeks of processing we were told that both dogs had pre existing conditions which was not true. In both cases they paid out very little if anything for our claims. I / we find them very dishonest to deal with. Will never buy insurance from them again. Buyer beware !

out of 10

POSTED: | BY: Charrise Johnson

Simply amazing

The young lady who helped me was truly amazing. She was so very patient and explained everything to me three times over. She was understanding to all of my needs and was able to assist me and get me exactly what my pet needs. I’m so very thankful and excited for my new pet

out of 10

POSTED: | BY: Denise Boehler

they deny claims based on speculative information

We don't know exactly when a serious illness began with our dog, but Crum & Forester denied a claim of over $4,000, just under our policy limit, based on speculative information from several different veterinarians as to when the illness began. They are comparing symptoms experienced later with earlier to claim this was a pre-existing condition and thus a basis for denying the claim. It took 3 months after submitting the claim and chasing them for reimbursement. After contacting them again this morning, I was told we would not be receiving reimbursement and that they had determined based on what they felt were similar symptoms that they would be denying the claim. This is bad faith, the Colorado insurance commission will know about it.

out of 10

POSTED: | BY: Emma Mason

Don’t waste your money

DON'T WASTE YOUR MONEY. I got this insurance for my horse (yes, horse not a dog), and it's easily one of the biggest scams I've ever seen. My horse got a suspensory ligament strain as a result of an injury and they're refusing to cover a penny of my horse's diagnostic tests and any treatment. I've spoken with multiple reps who assured me that this injury and treatment would be covered; however, I was arbitrarily told it now won't be as they're considering this injury an "illness." I will promptly be telling every horse-owning soul I come into contact with to avoid this insurance like the plague.

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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