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.

Average customer rating

9.0 Out of 10
60 Days 1 Year Lifetime
Rating 9.2 9.6 9.0
Count 53 872 4397

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 12/10/2018
By:
Shirley Marcus

I have had several claims over time with Phlox and Hoshi. Phlox's biopsy was over $1,700. and I received $1,100. back. Hoshi needed 6 teeth pulled, and it was time for his bi-annual lab work. His bill came to $1,299.11. I received $855.01 from his claim.

...
Injury/illness
Phlox had thickening of the abdominal wall. Hoshi has thyroid, ibs, and seizures.
Claim Amount
Over $1000
Breed

Domestic Shorthair

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 12/10/2018
By:
Lee Mann

I’m very happy with our coverage. The submittal and pay out pricess is so easy. Love the app!

Injury/illness

Ear Problem

Claim Amount
$100 - $500
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 12/06/2018
By:
Eric

I’ve used ASPCA pet insurance for years and I have always been pleased. As a pet owner, an insurance policy is cost effective and responsible. Having a good policy in place mitigates excuses for neglected care as the wellness coverage almost completely...

Injury/illness
Wellness
Claim Amount
$100 - $500
Breed

Yorkshire Terrier

Age of Pet
Under a year
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

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. 

Deductible

$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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

ASPCA Pet Health Insurance has three 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.

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.