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: John Miller

They did what they said.

I don`t write reviews often, but this company stood behind their claims policy and covered my pooch when he injured a leg. Saying that, I will renew policy for next year. I purchased an accident only policy.

out of 10

POSTED: | BY: April Starr

I do not recommend this pet insurance

We waited for 2 months for them to process our claim of $299, called numerous time, and in the end the claim was denied because they couldn't reach the vet office which is absolute garbage. We go thru this every. single. time. we submit a claim and I finally had enough. It's easier and less stressful for me and my husband to just pay out of pocket so we have started a small savings account where we put money into it each month so that when/if we have an unexpected vet trip we have the money. We also got the CareCredit credit which most vets take. Going thru this claims process is so drawn out and ridiculous that I get the feeling they do it on purpose so you get frustrated and just quit trying to get the claim paid. In any case, we finally just canceled our policy. It really isn't worth it. I don't recommend this pet insurance at all.

out of 10

POSTED: | BY: Elizabeth Che

Horrible, we just pay money to them

We waited for three months for them to process our claim of $500, and at the end the claim was denied because they couldn't reach the vet office. This amount was not even applied to deductible. I feel like we paying them money for nothing

out of 10

POSTED: | BY: Lisa Ann Heaney

Torey was exceptional !!

The representative Torey was exceptional. She answered all of my questions and I had a lot and helped me make an informed decision thank you very much..

out of 10

POSTED: | BY: Sandra Nitschke

We are waiting of for our claims to be processed, but we received excellent customer service from one of your employees!!!!

So in the past month we have had to submit numerous claims for our dog. Our claims are still being processed and it had taken a bit longer than usual. I called today to inquire and get an update on my claims. I had the pleasure of speaking with Nancy from your customer service department. Nancy explained that due to Covid and also more pet adoptions, that claims are taking longer than usual. Nancy was very well spoken and answered all my questions. I was very impressed that she took the time to answer all my questions and even put me on hold to speak with her supervisor to get me accurate information. I am very appreciative of her patience, empathy for my pet, knowledge, and willingness to spend time finding the answers to my questions/concerns. I could only wish that all my experiences with customer service departments(in various companies) could be as good as my experience was today. Please cherish this employee and recognize her for going above and beyond to help your customers!!!

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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