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. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 9.8 9.6 9.1
Count 70 875 5341

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 02/18/2020
By:
Lesley Ann Cefalo

I would recommend ASPCA pet insurance (and have) to anyone looking to insure their pet. They are so efficient and always helpful. When we lost our little Bella, they were so sympathetic and helped us through the claims we submitted always with kind and...

Injury/illness
Claim Amount
Breed

Pit Bull

Age of Pet
1 - 8
8
Out of 10
Recommended
Posted: 02/17/2020
By:
Barbara Condra

Although we have had dogs at various times in our lives, we hadn't had one for several years when I decided to get Oliver. We had never had pet insurance on any of our dogs before so we didn't get it on Oliver at first. However, Oliver had a few health...

Injury/illness
Claim Amount
Breed

Cavalier King Charles Spaniel

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/15/2020
By:
Michele

Having ASPCA Pet Insurance allows me to have peace of mind. I am confident in knowing that if my dog Feddi gets sick or hurt my decision to take him to the vet and do what is necessary to get him better is not based on what I can afford. I did my...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
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 preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

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.