ASPCA | Pet Insurance Review


out of 5

Number of reviews 5,668

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.3
  • 4.7
  • 4.7
  • Count
  • 4
  • 52
  • 5,668

Updated: November 13, 2023

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: Graham Deegan

IDK yet, The website and options are user friendly

I get my puppy on 12/08, this is my 1st time setting up for pet insurance, spoke with other pet owners at work, and many don't have pet insurance. With that said looking at all the programs $$$ this set-up is very reasonable in price and the Local Vet that I have selected was on the ASPCA list of vets, The site was interactive I could select the levels of $$$ and the different options and the site re-calculated So I can see what $$ vs coverage ..

out of 5

POSTED: | BY: Nannette Chatelaine

Very easy to sign up

Very easy yo sign up

out of 5

POSTED: | BY: Tae B.

I love the coverage but…

I use ASPCA pet insurance for my puppy at Heart and Paw, but unfortunately, I couldn't add it. Additionally, I would appreciate more detailed and thorough updates on the claim statuses.

out of 5

POSTED: | BY: Dr. Elise Voltura

Other Horse

Very helpful getting our other horse set up.

out of 5

POSTED: | BY: Annette Stanford

Everything is great 👍

Everything is great 👍

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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