ASPCA | Pet Insurance Review


out of 5

Number of reviews 9,910

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.8
  • 4.7
  • Count
  • 14
  • 80
  • 9,910
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: Mr. Bill

The representative explained…

The representative explained information about the policy and coverage, but still waiting on documents to be available.

out of 5

POSTED: | BY: Stephanie Newberry

Need to my pets get better

Pet need better check up everything

out of 5

POSTED: | BY: Linda Taylor

Good price options

Good price options. Any vet accepted..would like a paper copy mailed to me.

out of 5


I haven't had to use the insurance yet

I haven't had to use the insurance yet, but signing up was very easy and I now have the peace of mind that my fur babies are protected.

out of 5

POSTED: | BY: Anthony Micieli

The worst experience when my dog got

The worst experience when my dog got old and needed surgery on her ear . They take your money but never wants to pay out for treatment . Stay away and save your money for future medical treatment for your pet . They always want to say it’s preexisting illness .

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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